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$36,079
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,202
−HK$1,140/mo
Today · 4.125%
HK$38,342
baseline
▲ 0.50% · 4.625%
HK$40,675
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,684/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,138
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,214
−HK$1,092/mo
Today · 4.125%
HK$42,306
baseline
▲ 0.50% · 4.625%
HK$44,536
+HK$2,230/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,612/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,295
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,642
−HK$1,368/mo
Today · 4.125%
HK$46,010
baseline
▲ 0.50% · 4.625%
HK$48,810
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$92,020/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,165
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,457
−HK$1,311/mo
Today · 4.125%
HK$50,768
baseline
▲ 0.50% · 4.625%
HK$53,444
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,536/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,511
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,082
−HK$1,596/mo
Today · 4.125%
HK$53,678
baseline
▲ 0.50% · 4.625%
HK$56,945
+HK$3,267/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,356/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,193
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,700
−HK$1,529/mo
Today · 4.125%
HK$59,229
baseline
▲ 0.50% · 4.625%
HK$62,351
+HK$3,122/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,458/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,943
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,963
−HK$2,052/mo
Today · 4.125%
HK$69,015
baseline
▲ 0.50% · 4.625%
HK$73,214
+HK$4,199/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,030/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,248
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,186
−HK$1,965/mo
Today · 4.125%
HK$76,151
baseline
▲ 0.50% · 4.625%
HK$80,165
+HK$4,014/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,302/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,342 · Scale 2, in force from 26 Feb 2026)