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$36,115
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,239
−HK$1,141/mo
Today · 4.125%
HK$38,380
baseline
▲ 0.50% · 4.625%
HK$40,715
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,760/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,178
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,255
−HK$1,093/mo
Today · 4.125%
HK$42,348
baseline
▲ 0.50% · 4.625%
HK$44,581
+HK$2,233/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,696/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,338
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,686
−HK$1,370/mo
Today · 4.125%
HK$46,056
baseline
▲ 0.50% · 4.625%
HK$48,858
+HK$2,802/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$92,112/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,213
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,506
−HK$1,312/mo
Today · 4.125%
HK$50,818
baseline
▲ 0.50% · 4.625%
HK$53,497
+HK$2,679/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$101,636/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,561
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,134
−HK$1,598/mo
Today · 4.125%
HK$53,732
baseline
▲ 0.50% · 4.625%
HK$57,001
+HK$3,269/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,464/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,249
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,757
−HK$1,531/mo
Today · 4.125%
HK$59,288
baseline
▲ 0.50% · 4.625%
HK$62,413
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,576/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,007
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,029
−HK$2,055/mo
Today · 4.125%
HK$69,084
baseline
▲ 0.50% · 4.625%
HK$73,287
+HK$4,203/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,168/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,320
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,259
−HK$1,968/mo
Today · 4.125%
HK$76,227
baseline
▲ 0.50% · 4.625%
HK$80,245
+HK$4,018/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,454/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,932 · Scale 2, in force from 26 Feb 2026)