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$36,034
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,155
−HK$1,139/mo
Today · 4.125%
HK$38,294
baseline
▲ 0.50% · 4.625%
HK$40,624
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,588/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,087
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,162
−HK$1,091/mo
Today · 4.125%
HK$42,253
baseline
▲ 0.50% · 4.625%
HK$44,480
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,506/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,241
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,586
−HK$1,366/mo
Today · 4.125%
HK$45,952
baseline
▲ 0.50% · 4.625%
HK$48,748
+HK$2,796/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,904/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,105
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,395
−HK$1,309/mo
Today · 4.125%
HK$50,704
baseline
▲ 0.50% · 4.625%
HK$53,376
+HK$2,672/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,408/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,447
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,017
−HK$1,594/mo
Today · 4.125%
HK$53,611
baseline
▲ 0.50% · 4.625%
HK$56,873
+HK$3,262/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,222/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,122
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,627
−HK$1,527/mo
Today · 4.125%
HK$59,154
baseline
▲ 0.50% · 4.625%
HK$62,273
+HK$3,119/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,308/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,861
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,879
−HK$2,049/mo
Today · 4.125%
HK$68,928
baseline
▲ 0.50% · 4.625%
HK$73,123
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,856/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,157
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,092
−HK$1,964/mo
Today · 4.125%
HK$76,056
baseline
▲ 0.50% · 4.625%
HK$80,065
+HK$4,009/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,112/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,597 · Scale 2, in force from 26 Feb 2026)