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$36,114
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,238
−HK$1,141/mo
Today · 4.125%
HK$38,379
baseline
▲ 0.50% · 4.625%
HK$40,714
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,758/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,177
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,255
−HK$1,093/mo
Today · 4.125%
HK$42,348
baseline
▲ 0.50% · 4.625%
HK$44,580
+HK$2,232/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,696/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,337
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,685
−HK$1,370/mo
Today · 4.125%
HK$46,055
baseline
▲ 0.50% · 4.625%
HK$48,857
+HK$2,802/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$92,110/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,212
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,505
−HK$1,312/mo
Today · 4.125%
HK$50,817
baseline
▲ 0.50% · 4.625%
HK$53,496
+HK$2,679/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$101,634/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,560
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,133
−HK$1,598/mo
Today · 4.125%
HK$53,731
baseline
▲ 0.50% · 4.625%
HK$57,000
+HK$3,269/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,462/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,248
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,756
−HK$1,531/mo
Today · 4.125%
HK$59,287
baseline
▲ 0.50% · 4.625%
HK$62,412
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,574/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,006
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,028
−HK$2,055/mo
Today · 4.125%
HK$69,083
baseline
▲ 0.50% · 4.625%
HK$73,286
+HK$4,203/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,166/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,319
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,258
−HK$1,968/mo
Today · 4.125%
HK$76,226
baseline
▲ 0.50% · 4.625%
HK$80,244
+HK$4,018/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,452/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,922 · Scale 2, in force from 26 Feb 2026)