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$36,087
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,210
−HK$1,140/mo
Today · 4.125%
HK$38,350
baseline
▲ 0.50% · 4.625%
HK$40,684
+HK$2,334/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,700/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,147
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,224
−HK$1,092/mo
Today · 4.125%
HK$42,316
baseline
▲ 0.50% · 4.625%
HK$44,546
+HK$2,230/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,632/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,305
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,652
−HK$1,369/mo
Today · 4.125%
HK$46,021
baseline
▲ 0.50% · 4.625%
HK$48,821
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,042/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,176
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,468
−HK$1,311/mo
Today · 4.125%
HK$50,779
baseline
▲ 0.50% · 4.625%
HK$53,456
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,558/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,522
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,094
−HK$1,597/mo
Today · 4.125%
HK$53,691
baseline
▲ 0.50% · 4.625%
HK$56,958
+HK$3,267/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,382/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,206
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,713
−HK$1,529/mo
Today · 4.125%
HK$59,242
baseline
▲ 0.50% · 4.625%
HK$62,365
+HK$3,123/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,484/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,957
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,978
−HK$2,053/mo
Today · 4.125%
HK$69,031
baseline
▲ 0.50% · 4.625%
HK$73,231
+HK$4,200/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,062/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,264
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,203
−HK$1,966/mo
Today · 4.125%
HK$76,169
baseline
▲ 0.50% · 4.625%
HK$80,184
+HK$4,015/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,338/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,477 · Scale 2, in force from 26 Feb 2026)