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$36,053
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,175
−HK$1,139/mo
Today · 4.125%
HK$38,314
baseline
▲ 0.50% · 4.625%
HK$40,645
+HK$2,331/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,628/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,109
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,184
−HK$1,092/mo
Today · 4.125%
HK$42,276
baseline
▲ 0.50% · 4.625%
HK$44,504
+HK$2,228/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,552/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,264
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,609
−HK$1,368/mo
Today · 4.125%
HK$45,977
baseline
▲ 0.50% · 4.625%
HK$48,774
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$91,954/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,130
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,421
−HK$1,310/mo
Today · 4.125%
HK$50,731
baseline
▲ 0.50% · 4.625%
HK$53,405
+HK$2,674/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$101,462/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,474
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,044
−HK$1,596/mo
Today · 4.125%
HK$53,640
baseline
▲ 0.50% · 4.625%
HK$56,903
+HK$3,263/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,280/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,152
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,658
−HK$1,528/mo
Today · 4.125%
HK$59,186
baseline
▲ 0.50% · 4.625%
HK$62,306
+HK$3,120/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,372/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,896
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,914
−HK$2,051/mo
Today · 4.125%
HK$68,965
baseline
▲ 0.50% · 4.625%
HK$73,162
+HK$4,197/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,930/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,196
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,132
−HK$1,964/mo
Today · 4.125%
HK$76,096
baseline
▲ 0.50% · 4.625%
HK$80,107
+HK$4,011/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,192/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,913 · Scale 2, in force from 26 Feb 2026)