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$36,075
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,198
−HK$1,140/mo
Today · 4.125%
HK$38,338
baseline
▲ 0.50% · 4.625%
HK$40,670
+HK$2,332/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,676/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,133
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,210
−HK$1,092/mo
Today · 4.125%
HK$42,302
baseline
▲ 0.50% · 4.625%
HK$44,532
+HK$2,230/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,604/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,290
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,637
−HK$1,368/mo
Today · 4.125%
HK$46,005
baseline
▲ 0.50% · 4.625%
HK$48,804
+HK$2,799/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$92,010/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,160
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,452
−HK$1,310/mo
Today · 4.125%
HK$50,762
baseline
▲ 0.50% · 4.625%
HK$53,438
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,524/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,506
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,077
−HK$1,596/mo
Today · 4.125%
HK$53,673
baseline
▲ 0.50% · 4.625%
HK$56,939
+HK$3,266/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$107,346/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,187
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,694
−HK$1,528/mo
Today · 4.125%
HK$59,222
baseline
▲ 0.50% · 4.625%
HK$62,344
+HK$3,122/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$118,444/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,936
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,956
−HK$2,052/mo
Today · 4.125%
HK$69,008
baseline
▲ 0.50% · 4.625%
HK$73,207
+HK$4,199/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,016/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,240
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,178
−HK$1,965/mo
Today · 4.125%
HK$76,143
baseline
▲ 0.50% · 4.625%
HK$80,157
+HK$4,014/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,286/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,279 · Scale 2, in force from 26 Feb 2026)