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$36,045
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,166
−HK$1,139/mo
Today · 4.125%
HK$38,305
baseline
▲ 0.50% · 4.625%
HK$40,636
+HK$2,331/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,610/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,099
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,175
−HK$1,091/mo
Today · 4.125%
HK$42,266
baseline
▲ 0.50% · 4.625%
HK$44,494
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,532/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,253
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,599
−HK$1,367/mo
Today · 4.125%
HK$45,966
baseline
▲ 0.50% · 4.625%
HK$48,763
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,932/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,119
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,410
−HK$1,309/mo
Today · 4.125%
HK$50,719
baseline
▲ 0.50% · 4.625%
HK$53,392
+HK$2,673/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,438/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,462
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,032
−HK$1,595/mo
Today · 4.125%
HK$53,627
baseline
▲ 0.50% · 4.625%
HK$56,890
+HK$3,263/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,254/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,139
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,645
−HK$1,527/mo
Today · 4.125%
HK$59,172
baseline
▲ 0.50% · 4.625%
HK$62,291
+HK$3,119/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,344/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,880
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,898
−HK$2,051/mo
Today · 4.125%
HK$68,949
baseline
▲ 0.50% · 4.625%
HK$73,144
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,898/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,179
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,114
−HK$1,964/mo
Today · 4.125%
HK$76,078
baseline
▲ 0.50% · 4.625%
HK$80,088
+HK$4,010/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,156/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,772 · Scale 2, in force from 26 Feb 2026)