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$36,039
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,160
−HK$1,139/mo
Today · 4.125%
HK$38,299
baseline
▲ 0.50% · 4.625%
HK$40,630
+HK$2,331/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,598/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,093
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,169
−HK$1,091/mo
Today · 4.125%
HK$42,260
baseline
▲ 0.50% · 4.625%
HK$44,487
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,520/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,247
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,593
−HK$1,366/mo
Today · 4.125%
HK$45,959
baseline
▲ 0.50% · 4.625%
HK$48,756
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,918/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,112
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,403
−HK$1,309/mo
Today · 4.125%
HK$50,712
baseline
▲ 0.50% · 4.625%
HK$53,385
+HK$2,673/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,424/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,455
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,025
−HK$1,594/mo
Today · 4.125%
HK$53,619
baseline
▲ 0.50% · 4.625%
HK$56,882
+HK$3,263/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,238/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,131
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,636
−HK$1,527/mo
Today · 4.125%
HK$59,163
baseline
▲ 0.50% · 4.625%
HK$62,282
+HK$3,119/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,326/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,871
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,889
−HK$2,050/mo
Today · 4.125%
HK$68,939
baseline
▲ 0.50% · 4.625%
HK$73,134
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,878/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,168
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,104
−HK$1,963/mo
Today · 4.125%
HK$76,067
baseline
▲ 0.50% · 4.625%
HK$80,077
+HK$4,010/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,134/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,687 · Scale 2, in force from 26 Feb 2026)