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$36,046
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,167
−HK$1,140/mo
Today · 4.125%
HK$38,307
baseline
▲ 0.50% · 4.625%
HK$40,638
+HK$2,331/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,614/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,101
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,177
−HK$1,091/mo
Today · 4.125%
HK$42,268
baseline
▲ 0.50% · 4.625%
HK$44,496
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,536/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,255
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,601
−HK$1,367/mo
Today · 4.125%
HK$45,968
baseline
▲ 0.50% · 4.625%
HK$48,765
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,936/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,121
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,412
−HK$1,309/mo
Today · 4.125%
HK$50,721
baseline
▲ 0.50% · 4.625%
HK$53,395
+HK$2,674/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,442/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,465
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,034
−HK$1,595/mo
Today · 4.125%
HK$53,629
baseline
▲ 0.50% · 4.625%
HK$56,893
+HK$3,264/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,258/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,142
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,647
−HK$1,528/mo
Today · 4.125%
HK$59,175
baseline
▲ 0.50% · 4.625%
HK$62,294
+HK$3,119/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,350/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,883
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,901
−HK$2,051/mo
Today · 4.125%
HK$68,952
baseline
▲ 0.50% · 4.625%
HK$73,148
+HK$4,196/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,904/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,182
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,118
−HK$1,964/mo
Today · 4.125%
HK$76,082
baseline
▲ 0.50% · 4.625%
HK$80,092
+HK$4,010/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,164/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,800 · Scale 2, in force from 26 Feb 2026)