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$36,032
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,153
−HK$1,138/mo
Today · 4.125%
HK$38,291
baseline
▲ 0.50% · 4.625%
HK$40,621
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,582/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,085
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,160
−HK$1,091/mo
Today · 4.125%
HK$42,251
baseline
▲ 0.50% · 4.625%
HK$44,478
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,502/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,238
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,583
−HK$1,367/mo
Today · 4.125%
HK$45,950
baseline
▲ 0.50% · 4.625%
HK$48,746
+HK$2,796/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,900/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,102
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,392
−HK$1,309/mo
Today · 4.125%
HK$50,701
baseline
▲ 0.50% · 4.625%
HK$53,374
+HK$2,673/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,402/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,445
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,014
−HK$1,594/mo
Today · 4.125%
HK$53,608
baseline
▲ 0.50% · 4.625%
HK$56,870
+HK$3,262/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,216/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,119
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,624
−HK$1,527/mo
Today · 4.125%
HK$59,151
baseline
▲ 0.50% · 4.625%
HK$62,269
+HK$3,118/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,302/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,858
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,875
−HK$2,050/mo
Today · 4.125%
HK$68,925
baseline
▲ 0.50% · 4.625%
HK$73,119
+HK$4,194/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,850/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,153
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,088
−HK$1,964/mo
Today · 4.125%
HK$76,052
baseline
▲ 0.50% · 4.625%
HK$80,060
+HK$4,008/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,104/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,565 · Scale 2, in force from 26 Feb 2026)