The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$36,105
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,228
−HK$1,141/mo
Today · 4.125%
HK$38,369
baseline
▲ 0.50% · 4.625%
HK$40,704
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,738/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,167
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,244
−HK$1,093/mo
Today · 4.125%
HK$42,337
baseline
▲ 0.50% · 4.625%
HK$44,569
+HK$2,232/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,674/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,326
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,674
−HK$1,369/mo
Today · 4.125%
HK$46,043
baseline
▲ 0.50% · 4.625%
HK$48,845
+HK$2,802/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,086/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,200
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,493
−HK$1,311/mo
Today · 4.125%
HK$50,804
baseline
▲ 0.50% · 4.625%
HK$53,482
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,608/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,547
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,120
−HK$1,597/mo
Today · 4.125%
HK$53,717
baseline
▲ 0.50% · 4.625%
HK$56,986
+HK$3,269/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,434/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,234
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,742
−HK$1,530/mo
Today · 4.125%
HK$59,272
baseline
▲ 0.50% · 4.625%
HK$62,396
+HK$3,124/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,544/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,990
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,011
−HK$2,054/mo
Today · 4.125%
HK$69,065
baseline
▲ 0.50% · 4.625%
HK$73,267
+HK$4,202/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,130/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,300
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,239
−HK$1,967/mo
Today · 4.125%
HK$76,206
baseline
▲ 0.50% · 4.625%
HK$80,223
+HK$4,017/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,412/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,771 · Scale 2, in force from 26 Feb 2026)