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$36,091
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,214
−HK$1,141/mo
Today · 4.125%
HK$38,355
baseline
▲ 0.50% · 4.625%
HK$40,688
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,710/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,151
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,228
−HK$1,093/mo
Today · 4.125%
HK$42,321
baseline
▲ 0.50% · 4.625%
HK$44,551
+HK$2,230/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,642/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,310
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,657
−HK$1,369/mo
Today · 4.125%
HK$46,026
baseline
▲ 0.50% · 4.625%
HK$48,826
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,052/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,182
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,474
−HK$1,311/mo
Today · 4.125%
HK$50,785
baseline
▲ 0.50% · 4.625%
HK$53,462
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,570/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,528
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,100
−HK$1,596/mo
Today · 4.125%
HK$53,696
baseline
▲ 0.50% · 4.625%
HK$56,964
+HK$3,268/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,392/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,212
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,719
−HK$1,530/mo
Today · 4.125%
HK$59,249
baseline
▲ 0.50% · 4.625%
HK$62,372
+HK$3,123/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,498/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,964
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,985
−HK$2,053/mo
Today · 4.125%
HK$69,038
baseline
▲ 0.50% · 4.625%
HK$73,239
+HK$4,201/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,076/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,272
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,211
−HK$1,966/mo
Today · 4.125%
HK$76,177
baseline
▲ 0.50% · 4.625%
HK$80,192
+HK$4,015/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,354/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,542 · Scale 2, in force from 26 Feb 2026)