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$36,099
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,221
−HK$1,141/mo
Today · 4.125%
HK$38,362
baseline
▲ 0.50% · 4.625%
HK$40,697
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,724/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,159
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,236
−HK$1,093/mo
Today · 4.125%
HK$42,329
baseline
▲ 0.50% · 4.625%
HK$44,560
+HK$2,231/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,658/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,318
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,666
−HK$1,369/mo
Today · 4.125%
HK$46,035
baseline
▲ 0.50% · 4.625%
HK$48,836
+HK$2,801/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,070/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,191
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,484
−HK$1,311/mo
Today · 4.125%
HK$50,795
baseline
▲ 0.50% · 4.625%
HK$53,472
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,590/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,538
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,110
−HK$1,597/mo
Today · 4.125%
HK$53,707
baseline
▲ 0.50% · 4.625%
HK$56,975
+HK$3,268/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,414/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,223
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,731
−HK$1,530/mo
Today · 4.125%
HK$59,261
baseline
▲ 0.50% · 4.625%
HK$62,384
+HK$3,123/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,522/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,977
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$66,999
−HK$2,053/mo
Today · 4.125%
HK$69,052
baseline
▲ 0.50% · 4.625%
HK$73,254
+HK$4,202/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,104/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,287
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,225
−HK$1,967/mo
Today · 4.125%
HK$76,192
baseline
▲ 0.50% · 4.625%
HK$80,208
+HK$4,016/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,384/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,660 · Scale 2, in force from 26 Feb 2026)