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$2,261/mo
▼ 0.25% · 3.875%
HK$37,168
−HK$1,140/mo
Today · 4.125%
HK$38,308
baseline
▲ 0.50% · 4.625%
HK$40,638
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,616/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,102
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,178
−HK$1,091/mo
Today · 4.125%
HK$42,269
baseline
▲ 0.50% · 4.625%
HK$44,497
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,538/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,256
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,602
−HK$1,367/mo
Today · 4.125%
HK$45,969
baseline
▲ 0.50% · 4.625%
HK$48,766
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$91,938/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,122
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,413
−HK$1,309/mo
Today · 4.125%
HK$50,722
baseline
▲ 0.50% · 4.625%
HK$53,396
+HK$2,674/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$101,444/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,466
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,036
−HK$1,595/mo
Today · 4.125%
HK$53,631
baseline
▲ 0.50% · 4.625%
HK$56,894
+HK$3,263/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,262/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,143
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,649
−HK$1,527/mo
Today · 4.125%
HK$59,176
baseline
▲ 0.50% · 4.625%
HK$62,295
+HK$3,119/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,352/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,885
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,903
−HK$2,051/mo
Today · 4.125%
HK$68,954
baseline
▲ 0.50% · 4.625%
HK$73,149
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,908/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,184
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,120
−HK$1,963/mo
Today · 4.125%
HK$76,083
baseline
▲ 0.50% · 4.625%
HK$80,094
+HK$4,011/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$592,813 · Scale 2, in force from 26 Feb 2026)