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$36,047
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,168
−HK$1,139/mo
Today · 4.125%
HK$38,307
baseline
▲ 0.50% · 4.625%
HK$40,638
+HK$2,331/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,614/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,102
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,177
−HK$1,091/mo
Today · 4.125%
HK$42,268
baseline
▲ 0.50% · 4.625%
HK$44,496
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,536/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,256
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,601
−HK$1,367/mo
Today · 4.125%
HK$45,968
baseline
▲ 0.50% · 4.625%
HK$48,766
+HK$2,798/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,936/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,122
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,412
−HK$1,310/mo
Today · 4.125%
HK$50,722
baseline
▲ 0.50% · 4.625%
HK$53,395
+HK$2,673/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,444/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,465
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,035
−HK$1,595/mo
Today · 4.125%
HK$53,630
baseline
▲ 0.50% · 4.625%
HK$56,893
+HK$3,263/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,260/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,142
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,648
−HK$1,527/mo
Today · 4.125%
HK$59,175
baseline
▲ 0.50% · 4.625%
HK$62,295
+HK$3,120/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,350/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,884
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,902
−HK$2,051/mo
Today · 4.125%
HK$68,953
baseline
▲ 0.50% · 4.625%
HK$73,148
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,906/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,183
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,119
−HK$1,964/mo
Today · 4.125%
HK$76,083
baseline
▲ 0.50% · 4.625%
HK$80,093
+HK$4,010/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,166/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,806 · Scale 2, in force from 26 Feb 2026)