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$36,086
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,209
−HK$1,140/mo
Today · 4.125%
HK$38,349
baseline
▲ 0.50% · 4.625%
HK$40,682
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,698/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,145
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,222
−HK$1,092/mo
Today · 4.125%
HK$42,314
baseline
▲ 0.50% · 4.625%
HK$44,545
+HK$2,231/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,628/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,303
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,650
−HK$1,369/mo
Today · 4.125%
HK$46,019
baseline
▲ 0.50% · 4.625%
HK$48,819
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,038/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,174
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,467
−HK$1,310/mo
Today · 4.125%
HK$50,777
baseline
▲ 0.50% · 4.625%
HK$53,454
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,554/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,521
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,092
−HK$1,597/mo
Today · 4.125%
HK$53,689
baseline
▲ 0.50% · 4.625%
HK$56,955
+HK$3,266/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,378/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,204
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,711
−HK$1,529/mo
Today · 4.125%
HK$59,240
baseline
▲ 0.50% · 4.625%
HK$62,363
+HK$3,123/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,480/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,955
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,975
−HK$2,053/mo
Today · 4.125%
HK$69,028
baseline
▲ 0.50% · 4.625%
HK$73,228
+HK$4,200/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,056/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,262
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,200
−HK$1,966/mo
Today · 4.125%
HK$76,166
baseline
▲ 0.50% · 4.625%
HK$80,181
+HK$4,015/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,332/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,455 · Scale 2, in force from 26 Feb 2026)