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$36,118
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,241
−HK$1,142/mo
Today · 4.125%
HK$38,383
baseline
▲ 0.50% · 4.625%
HK$40,718
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,766/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,181
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,258
−HK$1,093/mo
Today · 4.125%
HK$42,351
baseline
▲ 0.50% · 4.625%
HK$44,584
+HK$2,233/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,702/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,341
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,689
−HK$1,370/mo
Today · 4.125%
HK$46,059
baseline
▲ 0.50% · 4.625%
HK$48,862
+HK$2,803/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$92,118/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,217
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,510
−HK$1,312/mo
Today · 4.125%
HK$50,822
baseline
▲ 0.50% · 4.625%
HK$53,501
+HK$2,679/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$101,644/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,565
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,138
−HK$1,598/mo
Today · 4.125%
HK$53,736
baseline
▲ 0.50% · 4.625%
HK$57,005
+HK$3,269/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,472/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,253
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,762
−HK$1,530/mo
Today · 4.125%
HK$59,292
baseline
▲ 0.50% · 4.625%
HK$62,417
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,584/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,012
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,034
−HK$2,055/mo
Today · 4.125%
HK$69,089
baseline
▲ 0.50% · 4.625%
HK$73,293
+HK$4,204/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,178/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,325
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,265
−HK$1,968/mo
Today · 4.125%
HK$76,233
baseline
▲ 0.50% · 4.625%
HK$80,251
+HK$4,018/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,466/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,976 · Scale 2, in force from 26 Feb 2026)