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$36,098
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,221
−HK$1,141/mo
Today · 4.125%
HK$38,362
baseline
▲ 0.50% · 4.625%
HK$40,696
+HK$2,334/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,724/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,159
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,236
−HK$1,092/mo
Today · 4.125%
HK$42,328
baseline
▲ 0.50% · 4.625%
HK$44,559
+HK$2,231/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,656/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,318
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,665
−HK$1,369/mo
Today · 4.125%
HK$46,034
baseline
▲ 0.50% · 4.625%
HK$48,835
+HK$2,801/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,068/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,190
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,483
−HK$1,311/mo
Today · 4.125%
HK$50,794
baseline
▲ 0.50% · 4.625%
HK$53,471
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,588/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,537
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,109
−HK$1,597/mo
Today · 4.125%
HK$53,706
baseline
▲ 0.50% · 4.625%
HK$56,974
+HK$3,268/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,412/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,222
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,730
−HK$1,530/mo
Today · 4.125%
HK$59,260
baseline
▲ 0.50% · 4.625%
HK$62,383
+HK$3,123/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,520/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,976
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$66,997
−HK$2,054/mo
Today · 4.125%
HK$69,051
baseline
▲ 0.50% · 4.625%
HK$73,253
+HK$4,202/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,102/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,286
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,224
−HK$1,967/mo
Today · 4.125%
HK$76,191
baseline
▲ 0.50% · 4.625%
HK$80,207
+HK$4,016/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,382/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,650 · Scale 2, in force from 26 Feb 2026)