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$36,036
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,157
−HK$1,139/mo
Today · 4.125%
HK$38,296
baseline
▲ 0.50% · 4.625%
HK$40,626
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,592/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,090
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,165
−HK$1,090/mo
Today · 4.125%
HK$42,255
baseline
▲ 0.50% · 4.625%
HK$44,483
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,510/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,243
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,588
−HK$1,367/mo
Today · 4.125%
HK$45,955
baseline
▲ 0.50% · 4.625%
HK$48,751
+HK$2,796/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,910/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,107
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,398
−HK$1,309/mo
Today · 4.125%
HK$50,707
baseline
▲ 0.50% · 4.625%
HK$53,379
+HK$2,672/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,414/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,450
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,020
−HK$1,594/mo
Today · 4.125%
HK$53,614
baseline
▲ 0.50% · 4.625%
HK$56,876
+HK$3,262/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,228/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,125
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,631
−HK$1,527/mo
Today · 4.125%
HK$59,158
baseline
▲ 0.50% · 4.625%
HK$62,276
+HK$3,118/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,316/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,865
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,882
−HK$2,050/mo
Today · 4.125%
HK$68,932
baseline
▲ 0.50% · 4.625%
HK$73,127
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,864/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,161
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,097
−HK$1,963/mo
Today · 4.125%
HK$76,060
baseline
▲ 0.50% · 4.625%
HK$80,069
+HK$4,009/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,120/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,629 · Scale 2, in force from 26 Feb 2026)