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$36,054
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,176
−HK$1,139/mo
Today · 4.125%
HK$38,315
baseline
▲ 0.50% · 4.625%
HK$40,646
+HK$2,331/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,630/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,110
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,186
−HK$1,091/mo
Today · 4.125%
HK$42,277
baseline
▲ 0.50% · 4.625%
HK$44,505
+HK$2,228/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,554/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,265
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,611
−HK$1,367/mo
Today · 4.125%
HK$45,978
baseline
▲ 0.50% · 4.625%
HK$48,776
+HK$2,798/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$91,956/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,132
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,423
−HK$1,309/mo
Today · 4.125%
HK$50,732
baseline
▲ 0.50% · 4.625%
HK$53,406
+HK$2,674/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$101,464/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,476
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,046
−HK$1,595/mo
Today · 4.125%
HK$53,641
baseline
▲ 0.50% · 4.625%
HK$56,905
+HK$3,264/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,282/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,154
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,660
−HK$1,528/mo
Today · 4.125%
HK$59,188
baseline
▲ 0.50% · 4.625%
HK$62,308
+HK$3,120/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,376/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,897
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,916
−HK$2,051/mo
Today · 4.125%
HK$68,967
baseline
▲ 0.50% · 4.625%
HK$73,164
+HK$4,197/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,934/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,198
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,134
−HK$1,964/mo
Today · 4.125%
HK$76,098
baseline
▲ 0.50% · 4.625%
HK$80,110
+HK$4,012/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,196/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,930 · Scale 2, in force from 26 Feb 2026)