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$36,034
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,155
−HK$1,139/mo
Today · 4.125%
HK$38,294
baseline
▲ 0.50% · 4.625%
HK$40,624
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,588/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,088
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,163
−HK$1,091/mo
Today · 4.125%
HK$42,254
baseline
▲ 0.50% · 4.625%
HK$44,481
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,508/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,241
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,586
−HK$1,367/mo
Today · 4.125%
HK$45,953
baseline
▲ 0.50% · 4.625%
HK$48,749
+HK$2,796/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,906/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,106
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,396
−HK$1,309/mo
Today · 4.125%
HK$50,705
baseline
▲ 0.50% · 4.625%
HK$53,377
+HK$2,672/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,410/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,448
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,017
−HK$1,595/mo
Today · 4.125%
HK$53,612
baseline
▲ 0.50% · 4.625%
HK$56,874
+HK$3,262/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,224/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,123
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,628
−HK$1,527/mo
Today · 4.125%
HK$59,155
baseline
▲ 0.50% · 4.625%
HK$62,273
+HK$3,118/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,310/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,862
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,880
−HK$2,049/mo
Today · 4.125%
HK$68,929
baseline
▲ 0.50% · 4.625%
HK$73,124
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,858/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,158
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,094
−HK$1,963/mo
Today · 4.125%
HK$76,057
baseline
▲ 0.50% · 4.625%
HK$80,066
+HK$4,009/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,114/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,606 · Scale 2, in force from 26 Feb 2026)