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$36,133
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,257
−HK$1,142/mo
Today · 4.125%
HK$38,399
baseline
▲ 0.50% · 4.625%
HK$40,735
+HK$2,336/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,798/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,197
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,275
−HK$1,094/mo
Today · 4.125%
HK$42,369
baseline
▲ 0.50% · 4.625%
HK$44,602
+HK$2,233/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,738/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,359
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,708
−HK$1,370/mo
Today · 4.125%
HK$46,078
baseline
▲ 0.50% · 4.625%
HK$48,882
+HK$2,804/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,156/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,237
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,530
−HK$1,313/mo
Today · 4.125%
HK$50,843
baseline
▲ 0.50% · 4.625%
HK$53,523
+HK$2,680/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,686/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,586
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,159
−HK$1,599/mo
Today · 4.125%
HK$53,758
baseline
▲ 0.50% · 4.625%
HK$57,029
+HK$3,271/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,516/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,276
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,786
−HK$1,531/mo
Today · 4.125%
HK$59,317
baseline
▲ 0.50% · 4.625%
HK$62,443
+HK$3,126/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,634/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,039
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,062
−HK$2,055/mo
Today · 4.125%
HK$69,117
baseline
▲ 0.50% · 4.625%
HK$73,323
+HK$4,206/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,234/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,355
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,296
−HK$1,968/mo
Today · 4.125%
HK$76,264
baseline
▲ 0.50% · 4.625%
HK$80,284
+HK$4,020/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,528/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,222 · Scale 2, in force from 26 Feb 2026)