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$36,100
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,222
−HK$1,141/mo
Today · 4.125%
HK$38,363
baseline
▲ 0.50% · 4.625%
HK$40,698
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,726/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,160
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,238
−HK$1,092/mo
Today · 4.125%
HK$42,330
baseline
▲ 0.50% · 4.625%
HK$44,561
+HK$2,231/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,660/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,320
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,667
−HK$1,369/mo
Today · 4.125%
HK$46,036
baseline
▲ 0.50% · 4.625%
HK$48,837
+HK$2,801/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,072/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,193
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,485
−HK$1,311/mo
Today · 4.125%
HK$50,796
baseline
▲ 0.50% · 4.625%
HK$53,474
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,592/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,539
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,111
−HK$1,598/mo
Today · 4.125%
HK$53,709
baseline
▲ 0.50% · 4.625%
HK$56,977
+HK$3,268/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,418/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,225
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,733
−HK$1,529/mo
Today · 4.125%
HK$59,262
baseline
▲ 0.50% · 4.625%
HK$62,386
+HK$3,124/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,524/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,979
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,000
−HK$2,054/mo
Today · 4.125%
HK$69,054
baseline
▲ 0.50% · 4.625%
HK$73,256
+HK$4,202/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,108/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,289
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,228
−HK$1,966/mo
Today · 4.125%
HK$76,194
baseline
▲ 0.50% · 4.625%
HK$80,211
+HK$4,017/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,388/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,677 · Scale 2, in force from 26 Feb 2026)