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$36,022
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,142
−HK$1,139/mo
Today · 4.125%
HK$38,281
baseline
▲ 0.50% · 4.625%
HK$40,610
+HK$2,329/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,562/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,074
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,148
−HK$1,091/mo
Today · 4.125%
HK$42,239
baseline
▲ 0.50% · 4.625%
HK$44,465
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,478/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,226
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,571
−HK$1,366/mo
Today · 4.125%
HK$45,937
baseline
▲ 0.50% · 4.625%
HK$48,732
+HK$2,795/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,874/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,088
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,378
−HK$1,309/mo
Today · 4.125%
HK$50,687
baseline
▲ 0.50% · 4.625%
HK$53,358
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,374/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,430
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$51,999
−HK$1,594/mo
Today · 4.125%
HK$53,593
baseline
▲ 0.50% · 4.625%
HK$56,854
+HK$3,261/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,186/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,103
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,608
−HK$1,526/mo
Today · 4.125%
HK$59,134
baseline
▲ 0.50% · 4.625%
HK$62,251
+HK$3,117/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,268/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,839
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,856
−HK$2,049/mo
Today · 4.125%
HK$68,905
baseline
▲ 0.50% · 4.625%
HK$73,098
+HK$4,193/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,810/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,133
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,067
−HK$1,963/mo
Today · 4.125%
HK$76,030
baseline
▲ 0.50% · 4.625%
HK$80,037
+HK$4,007/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,060/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,395 · Scale 2, in force from 26 Feb 2026)