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$36,062
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,184
−HK$1,139/mo
Today · 4.125%
HK$38,323
baseline
▲ 0.50% · 4.625%
HK$40,655
+HK$2,332/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,646/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,119
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,195
−HK$1,091/mo
Today · 4.125%
HK$42,286
baseline
▲ 0.50% · 4.625%
HK$44,515
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,572/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,274
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,620
−HK$1,368/mo
Today · 4.125%
HK$45,988
baseline
▲ 0.50% · 4.625%
HK$48,786
+HK$2,798/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$91,976/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,142
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,433
−HK$1,310/mo
Today · 4.125%
HK$50,743
baseline
▲ 0.50% · 4.625%
HK$53,418
+HK$2,675/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,486/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,487
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,057
−HK$1,596/mo
Today · 4.125%
HK$53,653
baseline
▲ 0.50% · 4.625%
HK$56,917
+HK$3,264/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,306/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,166
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,672
−HK$1,528/mo
Today · 4.125%
HK$59,200
baseline
▲ 0.50% · 4.625%
HK$62,321
+HK$3,121/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,400/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,912
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,931
−HK$2,051/mo
Today · 4.125%
HK$68,982
baseline
▲ 0.50% · 4.625%
HK$73,179
+HK$4,197/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,964/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,213
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,150
−HK$1,965/mo
Today · 4.125%
HK$76,115
baseline
▲ 0.50% · 4.625%
HK$80,127
+HK$4,012/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,230/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,058 · Scale 2, in force from 26 Feb 2026)