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$36,067
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,188
−HK$1,140/mo
Today · 4.125%
HK$38,328
baseline
▲ 0.50% · 4.625%
HK$40,660
+HK$2,332/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,656/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,124
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,200
−HK$1,091/mo
Today · 4.125%
HK$42,291
baseline
▲ 0.50% · 4.625%
HK$44,521
+HK$2,230/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,582/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,280
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,626
−HK$1,368/mo
Today · 4.125%
HK$45,994
baseline
▲ 0.50% · 4.625%
HK$48,793
+HK$2,799/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$91,988/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,148
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,440
−HK$1,310/mo
Today · 4.125%
HK$50,750
baseline
▲ 0.50% · 4.625%
HK$53,425
+HK$2,675/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,500/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,493
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,064
−HK$1,596/mo
Today · 4.125%
HK$53,660
baseline
▲ 0.50% · 4.625%
HK$56,925
+HK$3,265/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$107,320/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,173
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,680
−HK$1,528/mo
Today · 4.125%
HK$59,208
baseline
▲ 0.50% · 4.625%
HK$62,329
+HK$3,121/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$118,416/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,920
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,939
−HK$2,052/mo
Today · 4.125%
HK$68,991
baseline
▲ 0.50% · 4.625%
HK$73,189
+HK$4,198/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$137,982/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,223
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,160
−HK$1,965/mo
Today · 4.125%
HK$76,125
baseline
▲ 0.50% · 4.625%
HK$80,137
+HK$4,012/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,250/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,134 · Scale 2, in force from 26 Feb 2026)