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$36,071
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,194
−HK$1,139/mo
Today · 4.125%
HK$38,333
baseline
▲ 0.50% · 4.625%
HK$40,666
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,666/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,129
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,205
−HK$1,092/mo
Today · 4.125%
HK$42,297
baseline
▲ 0.50% · 4.625%
HK$44,527
+HK$2,230/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,594/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,286
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,632
−HK$1,368/mo
Today · 4.125%
HK$46,000
baseline
▲ 0.50% · 4.625%
HK$48,799
+HK$2,799/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$92,000/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,155
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,446
−HK$1,311/mo
Today · 4.125%
HK$50,757
baseline
▲ 0.50% · 4.625%
HK$53,432
+HK$2,675/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,514/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,500
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,071
−HK$1,596/mo
Today · 4.125%
HK$53,667
baseline
▲ 0.50% · 4.625%
HK$56,932
+HK$3,265/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$107,334/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,181
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,688
−HK$1,528/mo
Today · 4.125%
HK$59,216
baseline
▲ 0.50% · 4.625%
HK$62,337
+HK$3,121/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$118,432/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,929
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,948
−HK$2,052/mo
Today · 4.125%
HK$69,000
baseline
▲ 0.50% · 4.625%
HK$73,199
+HK$4,199/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,000/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,232
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,170
−HK$1,965/mo
Today · 4.125%
HK$76,135
baseline
▲ 0.50% · 4.625%
HK$80,148
+HK$4,013/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,270/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,215 · Scale 2, in force from 26 Feb 2026)