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$36,117
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,240
−HK$1,142/mo
Today · 4.125%
HK$38,382
baseline
▲ 0.50% · 4.625%
HK$40,717
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,764/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,180
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,257
−HK$1,093/mo
Today · 4.125%
HK$42,350
baseline
▲ 0.50% · 4.625%
HK$44,583
+HK$2,233/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,700/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,340
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,688
−HK$1,370/mo
Today · 4.125%
HK$46,058
baseline
▲ 0.50% · 4.625%
HK$48,861
+HK$2,803/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$92,116/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,216
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,509
−HK$1,312/mo
Today · 4.125%
HK$50,821
baseline
▲ 0.50% · 4.625%
HK$53,499
+HK$2,678/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$101,642/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,564
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,136
−HK$1,598/mo
Today · 4.125%
HK$53,734
baseline
▲ 0.50% · 4.625%
HK$57,004
+HK$3,270/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,468/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,252
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,760
−HK$1,531/mo
Today · 4.125%
HK$59,291
baseline
▲ 0.50% · 4.625%
HK$62,416
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,582/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,010
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,033
−HK$2,054/mo
Today · 4.125%
HK$69,087
baseline
▲ 0.50% · 4.625%
HK$73,291
+HK$4,204/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,174/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,323
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,263
−HK$1,968/mo
Today · 4.125%
HK$76,231
baseline
▲ 0.50% · 4.625%
HK$80,249
+HK$4,018/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,462/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,962 · Scale 2, in force from 26 Feb 2026)