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$36,102
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,225
−HK$1,141/mo
Today · 4.125%
HK$38,366
baseline
▲ 0.50% · 4.625%
HK$40,700
+HK$2,334/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,732/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,163
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,240
−HK$1,093/mo
Today · 4.125%
HK$42,333
baseline
▲ 0.50% · 4.625%
HK$44,564
+HK$2,231/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,666/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,322
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,670
−HK$1,369/mo
Today · 4.125%
HK$46,039
baseline
▲ 0.50% · 4.625%
HK$48,841
+HK$2,802/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,078/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,196
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,488
−HK$1,312/mo
Today · 4.125%
HK$50,800
baseline
▲ 0.50% · 4.625%
HK$53,477
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,600/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,543
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,115
−HK$1,597/mo
Today · 4.125%
HK$53,712
baseline
▲ 0.50% · 4.625%
HK$56,981
+HK$3,269/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,424/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,228
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,736
−HK$1,530/mo
Today · 4.125%
HK$59,266
baseline
▲ 0.50% · 4.625%
HK$62,390
+HK$3,124/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,532/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,984
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,005
−HK$2,054/mo
Today · 4.125%
HK$69,059
baseline
▲ 0.50% · 4.625%
HK$73,261
+HK$4,202/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,118/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,294
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,233
−HK$1,966/mo
Today · 4.125%
HK$76,199
baseline
▲ 0.50% · 4.625%
HK$80,216
+HK$4,017/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,398/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,717 · Scale 2, in force from 26 Feb 2026)