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$36,048
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,169
−HK$1,140/mo
Today · 4.125%
HK$38,309
baseline
▲ 0.50% · 4.625%
HK$40,640
+HK$2,331/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,618/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,103
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,179
−HK$1,091/mo
Today · 4.125%
HK$42,270
baseline
▲ 0.50% · 4.625%
HK$44,498
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,540/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,258
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,603
−HK$1,367/mo
Today · 4.125%
HK$45,970
baseline
▲ 0.50% · 4.625%
HK$48,768
+HK$2,798/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$91,940/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,124
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,414
−HK$1,310/mo
Today · 4.125%
HK$50,724
baseline
▲ 0.50% · 4.625%
HK$53,398
+HK$2,674/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$101,448/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,467
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,037
−HK$1,595/mo
Today · 4.125%
HK$53,632
baseline
▲ 0.50% · 4.625%
HK$56,896
+HK$3,264/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,264/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,144
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,650
−HK$1,528/mo
Today · 4.125%
HK$59,178
baseline
▲ 0.50% · 4.625%
HK$62,297
+HK$3,119/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,356/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,887
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,905
−HK$2,051/mo
Today · 4.125%
HK$68,956
baseline
▲ 0.50% · 4.625%
HK$73,151
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,912/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,186
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,122
−HK$1,964/mo
Today · 4.125%
HK$76,086
baseline
▲ 0.50% · 4.625%
HK$80,096
+HK$4,010/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,172/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,831 · Scale 2, in force from 26 Feb 2026)