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$36,046
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,167
−HK$1,139/mo
Today · 4.125%
HK$38,306
baseline
▲ 0.50% · 4.625%
HK$40,637
+HK$2,331/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,612/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,100
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,176
−HK$1,091/mo
Today · 4.125%
HK$42,267
baseline
▲ 0.50% · 4.625%
HK$44,495
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,534/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,255
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,600
−HK$1,367/mo
Today · 4.125%
HK$45,967
baseline
▲ 0.50% · 4.625%
HK$48,764
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,934/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,120
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,411
−HK$1,309/mo
Today · 4.125%
HK$50,720
baseline
▲ 0.50% · 4.625%
HK$53,394
+HK$2,674/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,440/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,464
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,034
−HK$1,594/mo
Today · 4.125%
HK$53,628
baseline
▲ 0.50% · 4.625%
HK$56,892
+HK$3,264/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,256/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,141
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,646
−HK$1,528/mo
Today · 4.125%
HK$59,174
baseline
▲ 0.50% · 4.625%
HK$62,293
+HK$3,119/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,348/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,882
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,900
−HK$2,051/mo
Today · 4.125%
HK$68,951
baseline
▲ 0.50% · 4.625%
HK$73,146
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,902/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,181
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,117
−HK$1,963/mo
Today · 4.125%
HK$76,080
baseline
▲ 0.50% · 4.625%
HK$80,091
+HK$4,011/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,160/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,789 · Scale 2, in force from 26 Feb 2026)