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$36,061
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,183
−HK$1,139/mo
Today · 4.125%
HK$38,322
baseline
▲ 0.50% · 4.625%
HK$40,654
+HK$2,332/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,644/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,118
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,194
−HK$1,091/mo
Today · 4.125%
HK$42,285
baseline
▲ 0.50% · 4.625%
HK$44,514
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,570/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,273
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,619
−HK$1,368/mo
Today · 4.125%
HK$45,987
baseline
▲ 0.50% · 4.625%
HK$48,785
+HK$2,798/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$91,974/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,141
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,432
−HK$1,310/mo
Today · 4.125%
HK$50,742
baseline
▲ 0.50% · 4.625%
HK$53,417
+HK$2,675/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,484/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,486
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,056
−HK$1,595/mo
Today · 4.125%
HK$53,651
baseline
▲ 0.50% · 4.625%
HK$56,916
+HK$3,265/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,302/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,165
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,671
−HK$1,528/mo
Today · 4.125%
HK$59,199
baseline
▲ 0.50% · 4.625%
HK$62,319
+HK$3,120/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,398/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,910
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,929
−HK$2,051/mo
Today · 4.125%
HK$68,980
baseline
▲ 0.50% · 4.625%
HK$73,178
+HK$4,198/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,960/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,212
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,148
−HK$1,965/mo
Today · 4.125%
HK$76,113
baseline
▲ 0.50% · 4.625%
HK$80,125
+HK$4,012/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,226/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,044 · Scale 2, in force from 26 Feb 2026)