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$36,094
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,216
−HK$1,141/mo
Today · 4.125%
HK$38,357
baseline
▲ 0.50% · 4.625%
HK$40,691
+HK$2,334/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,714/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,154
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,231
−HK$1,092/mo
Today · 4.125%
HK$42,323
baseline
▲ 0.50% · 4.625%
HK$44,554
+HK$2,231/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,646/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,312
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,660
−HK$1,368/mo
Today · 4.125%
HK$46,028
baseline
▲ 0.50% · 4.625%
HK$48,829
+HK$2,801/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,056/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,184
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,477
−HK$1,311/mo
Today · 4.125%
HK$50,788
baseline
▲ 0.50% · 4.625%
HK$53,465
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,576/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,531
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,103
−HK$1,597/mo
Today · 4.125%
HK$53,700
baseline
▲ 0.50% · 4.625%
HK$56,967
+HK$3,267/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,400/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,215
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,723
−HK$1,529/mo
Today · 4.125%
HK$59,252
baseline
▲ 0.50% · 4.625%
HK$62,376
+HK$3,124/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,504/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,968
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$66,989
−HK$2,054/mo
Today · 4.125%
HK$69,043
baseline
▲ 0.50% · 4.625%
HK$73,244
+HK$4,201/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,086/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,277
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,215
−HK$1,967/mo
Today · 4.125%
HK$76,182
baseline
▲ 0.50% · 4.625%
HK$80,197
+HK$4,015/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,364/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,578 · Scale 2, in force from 26 Feb 2026)