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$36,048
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,169
−HK$1,139/mo
Today · 4.125%
HK$38,308
baseline
▲ 0.50% · 4.625%
HK$40,639
+HK$2,331/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,616/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,102
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,178
−HK$1,091/mo
Today · 4.125%
HK$42,269
baseline
▲ 0.50% · 4.625%
HK$44,497
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,538/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,257
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,603
−HK$1,367/mo
Today · 4.125%
HK$45,970
baseline
▲ 0.50% · 4.625%
HK$48,767
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$91,940/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,123
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,414
−HK$1,309/mo
Today · 4.125%
HK$50,723
baseline
▲ 0.50% · 4.625%
HK$53,397
+HK$2,674/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$101,446/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,467
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,036
−HK$1,595/mo
Today · 4.125%
HK$53,631
baseline
▲ 0.50% · 4.625%
HK$56,895
+HK$3,264/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,262/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,143
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,649
−HK$1,528/mo
Today · 4.125%
HK$59,177
baseline
▲ 0.50% · 4.625%
HK$62,296
+HK$3,119/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,354/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,886
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,904
−HK$2,050/mo
Today · 4.125%
HK$68,954
baseline
▲ 0.50% · 4.625%
HK$73,150
+HK$4,196/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,908/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,184
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,120
−HK$1,964/mo
Today · 4.125%
HK$76,084
baseline
▲ 0.50% · 4.625%
HK$80,095
+HK$4,011/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,168/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,820 · Scale 2, in force from 26 Feb 2026)