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$36,055
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,177
−HK$1,139/mo
Today · 4.125%
HK$38,316
baseline
▲ 0.50% · 4.625%
HK$40,647
+HK$2,331/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,632/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,111
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,187
−HK$1,091/mo
Today · 4.125%
HK$42,278
baseline
▲ 0.50% · 4.625%
HK$44,507
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,556/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,266
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,612
−HK$1,367/mo
Today · 4.125%
HK$45,979
baseline
▲ 0.50% · 4.625%
HK$48,777
+HK$2,798/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$91,958/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,133
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,424
−HK$1,310/mo
Today · 4.125%
HK$50,734
baseline
▲ 0.50% · 4.625%
HK$53,408
+HK$2,674/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$101,468/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,477
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,047
−HK$1,595/mo
Today · 4.125%
HK$53,642
baseline
▲ 0.50% · 4.625%
HK$56,906
+HK$3,264/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,284/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,155
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,661
−HK$1,528/mo
Today · 4.125%
HK$59,189
baseline
▲ 0.50% · 4.625%
HK$62,309
+HK$3,120/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,378/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,899
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,918
−HK$2,051/mo
Today · 4.125%
HK$68,969
baseline
▲ 0.50% · 4.625%
HK$73,165
+HK$4,196/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,938/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,200
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,136
−HK$1,964/mo
Today · 4.125%
HK$76,100
baseline
▲ 0.50% · 4.625%
HK$80,112
+HK$4,012/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,200/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,945 · Scale 2, in force from 26 Feb 2026)