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$36,096
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,219
−HK$1,141/mo
Today · 4.125%
HK$38,360
baseline
▲ 0.50% · 4.625%
HK$40,694
+HK$2,334/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,720/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,157
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,234
−HK$1,092/mo
Today · 4.125%
HK$42,326
baseline
▲ 0.50% · 4.625%
HK$44,557
+HK$2,231/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,652/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,316
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,663
−HK$1,369/mo
Today · 4.125%
HK$46,032
baseline
▲ 0.50% · 4.625%
HK$48,833
+HK$2,801/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,064/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,188
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,481
−HK$1,311/mo
Today · 4.125%
HK$50,792
baseline
▲ 0.50% · 4.625%
HK$53,469
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,584/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,535
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,107
−HK$1,597/mo
Today · 4.125%
HK$53,704
baseline
▲ 0.50% · 4.625%
HK$56,972
+HK$3,268/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,408/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,220
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,727
−HK$1,530/mo
Today · 4.125%
HK$59,257
baseline
▲ 0.50% · 4.625%
HK$62,380
+HK$3,123/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,514/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,973
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$66,994
−HK$2,054/mo
Today · 4.125%
HK$69,048
baseline
▲ 0.50% · 4.625%
HK$73,249
+HK$4,201/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,096/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,282
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,221
−HK$1,967/mo
Today · 4.125%
HK$76,188
baseline
▲ 0.50% · 4.625%
HK$80,203
+HK$4,015/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,376/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,624 · Scale 2, in force from 26 Feb 2026)