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$36,058
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,179
−HK$1,140/mo
Today · 4.125%
HK$38,319
baseline
▲ 0.50% · 4.625%
HK$40,651
+HK$2,332/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,638/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,114
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,190
−HK$1,091/mo
Today · 4.125%
HK$42,281
baseline
▲ 0.50% · 4.625%
HK$44,510
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,562/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,269
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,615
−HK$1,368/mo
Today · 4.125%
HK$45,983
baseline
▲ 0.50% · 4.625%
HK$48,781
+HK$2,798/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$91,966/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,137
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,428
−HK$1,309/mo
Today · 4.125%
HK$50,737
baseline
▲ 0.50% · 4.625%
HK$53,412
+HK$2,675/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,474/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,481
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,051
−HK$1,595/mo
Today · 4.125%
HK$53,646
baseline
▲ 0.50% · 4.625%
HK$56,911
+HK$3,265/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,292/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,159
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,666
−HK$1,528/mo
Today · 4.125%
HK$59,194
baseline
▲ 0.50% · 4.625%
HK$62,314
+HK$3,120/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,388/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,904
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,923
−HK$2,051/mo
Today · 4.125%
HK$68,974
baseline
▲ 0.50% · 4.625%
HK$73,171
+HK$4,197/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,948/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,205
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,142
−HK$1,964/mo
Today · 4.125%
HK$76,106
baseline
▲ 0.50% · 4.625%
HK$80,118
+HK$4,012/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,212/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,989 · Scale 2, in force from 26 Feb 2026)