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$36,112
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,235
−HK$1,142/mo
Today · 4.125%
HK$38,377
baseline
▲ 0.50% · 4.625%
HK$40,712
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,754/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,174
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,252
−HK$1,093/mo
Today · 4.125%
HK$42,345
baseline
▲ 0.50% · 4.625%
HK$44,577
+HK$2,232/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,690/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,335
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,683
−HK$1,369/mo
Today · 4.125%
HK$46,052
baseline
▲ 0.50% · 4.625%
HK$48,854
+HK$2,802/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,104/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,209
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,502
−HK$1,312/mo
Today · 4.125%
HK$50,814
baseline
▲ 0.50% · 4.625%
HK$53,492
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,628/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,557
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,130
−HK$1,597/mo
Today · 4.125%
HK$53,727
baseline
▲ 0.50% · 4.625%
HK$56,997
+HK$3,270/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,454/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,244
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,753
−HK$1,530/mo
Today · 4.125%
HK$59,283
baseline
▲ 0.50% · 4.625%
HK$62,408
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,566/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,002
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,024
−HK$2,054/mo
Today · 4.125%
HK$69,078
baseline
▲ 0.50% · 4.625%
HK$73,281
+HK$4,203/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,156/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,314
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,253
−HK$1,968/mo
Today · 4.125%
HK$76,221
baseline
▲ 0.50% · 4.625%
HK$80,239
+HK$4,018/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,442/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,884 · Scale 2, in force from 26 Feb 2026)