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$36,110
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,233
−HK$1,141/mo
Today · 4.125%
HK$38,374
baseline
▲ 0.50% · 4.625%
HK$40,709
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,748/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,172
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,249
−HK$1,093/mo
Today · 4.125%
HK$42,342
baseline
▲ 0.50% · 4.625%
HK$44,574
+HK$2,232/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,684/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,332
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,680
−HK$1,369/mo
Today · 4.125%
HK$46,049
baseline
▲ 0.50% · 4.625%
HK$48,851
+HK$2,802/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,098/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,206
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,499
−HK$1,312/mo
Today · 4.125%
HK$50,811
baseline
▲ 0.50% · 4.625%
HK$53,489
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,622/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,554
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,126
−HK$1,598/mo
Today · 4.125%
HK$53,724
baseline
▲ 0.50% · 4.625%
HK$56,993
+HK$3,269/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,448/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,241
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,749
−HK$1,530/mo
Today · 4.125%
HK$59,279
baseline
▲ 0.50% · 4.625%
HK$62,404
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,558/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,998
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,020
−HK$2,054/mo
Today · 4.125%
HK$69,074
baseline
▲ 0.50% · 4.625%
HK$73,277
+HK$4,203/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,148/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,310
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,249
−HK$1,967/mo
Today · 4.125%
HK$76,216
baseline
▲ 0.50% · 4.625%
HK$80,234
+HK$4,018/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,432/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,848 · Scale 2, in force from 26 Feb 2026)