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$36,078
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,200
−HK$1,140/mo
Today · 4.125%
HK$38,340
baseline
▲ 0.50% · 4.625%
HK$40,673
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,680/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,136
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,213
−HK$1,092/mo
Today · 4.125%
HK$42,305
baseline
▲ 0.50% · 4.625%
HK$44,535
+HK$2,230/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,610/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,294
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,640
−HK$1,369/mo
Today · 4.125%
HK$46,009
baseline
▲ 0.50% · 4.625%
HK$48,808
+HK$2,799/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$92,018/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,164
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,455
−HK$1,311/mo
Today · 4.125%
HK$50,766
baseline
▲ 0.50% · 4.625%
HK$53,442
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,532/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,509
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,080
−HK$1,597/mo
Today · 4.125%
HK$53,677
baseline
▲ 0.50% · 4.625%
HK$56,943
+HK$3,266/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,354/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,191
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,698
−HK$1,529/mo
Today · 4.125%
HK$59,227
baseline
▲ 0.50% · 4.625%
HK$62,349
+HK$3,122/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,454/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,940
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,960
−HK$2,053/mo
Today · 4.125%
HK$69,013
baseline
▲ 0.50% · 4.625%
HK$73,212
+HK$4,199/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,026/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,246
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,183
−HK$1,966/mo
Today · 4.125%
HK$76,149
baseline
▲ 0.50% · 4.625%
HK$80,163
+HK$4,014/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,298/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,323 · Scale 2, in force from 26 Feb 2026)