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$36,082
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,205
−HK$1,140/mo
Today · 4.125%
HK$38,345
baseline
▲ 0.50% · 4.625%
HK$40,678
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,690/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,141
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,218
−HK$1,092/mo
Today · 4.125%
HK$42,310
baseline
▲ 0.50% · 4.625%
HK$44,540
+HK$2,230/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,620/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,299
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,646
−HK$1,368/mo
Today · 4.125%
HK$46,014
baseline
▲ 0.50% · 4.625%
HK$48,814
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$92,028/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,169
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,461
−HK$1,311/mo
Today · 4.125%
HK$50,772
baseline
▲ 0.50% · 4.625%
HK$53,448
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,544/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,515
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,087
−HK$1,596/mo
Today · 4.125%
HK$53,683
baseline
▲ 0.50% · 4.625%
HK$56,949
+HK$3,266/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,366/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,198
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,705
−HK$1,529/mo
Today · 4.125%
HK$59,234
baseline
▲ 0.50% · 4.625%
HK$62,356
+HK$3,122/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,468/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,948
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,968
−HK$2,053/mo
Today · 4.125%
HK$69,021
baseline
▲ 0.50% · 4.625%
HK$73,221
+HK$4,200/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,042/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,254
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,192
−HK$1,966/mo
Today · 4.125%
HK$76,158
baseline
▲ 0.50% · 4.625%
HK$80,172
+HK$4,014/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,316/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,393 · Scale 2, in force from 26 Feb 2026)