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$36,064
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,185
−HK$1,140/mo
Today · 4.125%
HK$38,325
baseline
▲ 0.50% · 4.625%
HK$40,657
+HK$2,332/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,650/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,121
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,197
−HK$1,091/mo
Today · 4.125%
HK$42,288
baseline
▲ 0.50% · 4.625%
HK$44,517
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,576/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,276
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,623
−HK$1,367/mo
Today · 4.125%
HK$45,990
baseline
▲ 0.50% · 4.625%
HK$48,789
+HK$2,799/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$91,980/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,145
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,436
−HK$1,310/mo
Today · 4.125%
HK$50,746
baseline
▲ 0.50% · 4.625%
HK$53,421
+HK$2,675/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,492/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,489
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,060
−HK$1,595/mo
Today · 4.125%
HK$53,655
baseline
▲ 0.50% · 4.625%
HK$56,920
+HK$3,265/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,310/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,169
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,675
−HK$1,528/mo
Today · 4.125%
HK$59,203
baseline
▲ 0.50% · 4.625%
HK$62,324
+HK$3,121/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,406/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,915
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,934
−HK$2,051/mo
Today · 4.125%
HK$68,985
baseline
▲ 0.50% · 4.625%
HK$73,183
+HK$4,198/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,970/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,217
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,154
−HK$1,965/mo
Today · 4.125%
HK$76,119
baseline
▲ 0.50% · 4.625%
HK$80,131
+HK$4,012/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,238/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,087 · Scale 2, in force from 26 Feb 2026)