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$36,039
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,160
−HK$1,139/mo
Today · 4.125%
HK$38,299
baseline
▲ 0.50% · 4.625%
HK$40,629
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,598/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,093
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,168
−HK$1,091/mo
Today · 4.125%
HK$42,259
baseline
▲ 0.50% · 4.625%
HK$44,487
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,518/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,247
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,592
−HK$1,367/mo
Today · 4.125%
HK$45,959
baseline
▲ 0.50% · 4.625%
HK$48,755
+HK$2,796/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,918/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,112
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,402
−HK$1,309/mo
Today · 4.125%
HK$50,711
baseline
▲ 0.50% · 4.625%
HK$53,384
+HK$2,673/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,422/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,455
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,024
−HK$1,595/mo
Today · 4.125%
HK$53,619
baseline
▲ 0.50% · 4.625%
HK$56,881
+HK$3,262/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,238/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,130
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,636
−HK$1,527/mo
Today · 4.125%
HK$59,163
baseline
▲ 0.50% · 4.625%
HK$62,281
+HK$3,118/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,326/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,870
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,888
−HK$2,050/mo
Today · 4.125%
HK$68,938
baseline
▲ 0.50% · 4.625%
HK$73,133
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,876/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,168
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,103
−HK$1,964/mo
Today · 4.125%
HK$76,067
baseline
▲ 0.50% · 4.625%
HK$80,076
+HK$4,009/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,134/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,681 · Scale 2, in force from 26 Feb 2026)