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$36,108
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,231
−HK$1,141/mo
Today · 4.125%
HK$38,372
baseline
▲ 0.50% · 4.625%
HK$40,707
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,744/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,169
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,247
−HK$1,093/mo
Today · 4.125%
HK$42,340
baseline
▲ 0.50% · 4.625%
HK$44,571
+HK$2,231/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,680/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,329
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,677
−HK$1,369/mo
Today · 4.125%
HK$46,046
baseline
▲ 0.50% · 4.625%
HK$48,848
+HK$2,802/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,092/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,203
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,496
−HK$1,312/mo
Today · 4.125%
HK$50,808
baseline
▲ 0.50% · 4.625%
HK$53,486
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,616/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,551
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,123
−HK$1,598/mo
Today · 4.125%
HK$53,721
baseline
▲ 0.50% · 4.625%
HK$56,989
+HK$3,268/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,442/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,237
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,745
−HK$1,530/mo
Today · 4.125%
HK$59,275
baseline
▲ 0.50% · 4.625%
HK$62,400
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,550/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,994
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,015
−HK$2,054/mo
Today · 4.125%
HK$69,069
baseline
▲ 0.50% · 4.625%
HK$73,272
+HK$4,203/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,138/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,305
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,244
−HK$1,967/mo
Today · 4.125%
HK$76,211
baseline
▲ 0.50% · 4.625%
HK$80,228
+HK$4,017/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,422/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,809 · Scale 2, in force from 26 Feb 2026)