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$36,059
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,181
−HK$1,140/mo
Today · 4.125%
HK$38,321
baseline
▲ 0.50% · 4.625%
HK$40,652
+HK$2,331/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,642/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,116
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,192
−HK$1,091/mo
Today · 4.125%
HK$42,283
baseline
▲ 0.50% · 4.625%
HK$44,512
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,566/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,271
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,617
−HK$1,368/mo
Today · 4.125%
HK$45,985
baseline
▲ 0.50% · 4.625%
HK$48,783
+HK$2,798/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$91,970/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,139
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,430
−HK$1,310/mo
Today · 4.125%
HK$50,740
baseline
▲ 0.50% · 4.625%
HK$53,414
+HK$2,674/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,480/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,483
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,054
−HK$1,595/mo
Today · 4.125%
HK$53,649
baseline
▲ 0.50% · 4.625%
HK$56,913
+HK$3,264/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,298/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,162
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,668
−HK$1,528/mo
Today · 4.125%
HK$59,196
baseline
▲ 0.50% · 4.625%
HK$62,317
+HK$3,121/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,392/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,907
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,926
−HK$2,051/mo
Today · 4.125%
HK$68,977
baseline
▲ 0.50% · 4.625%
HK$73,174
+HK$4,197/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,954/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,208
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,145
−HK$1,965/mo
Today · 4.125%
HK$76,110
baseline
▲ 0.50% · 4.625%
HK$80,121
+HK$4,011/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,220/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,017 · Scale 2, in force from 26 Feb 2026)