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$36,095
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,218
−HK$1,141/mo
Today · 4.125%
HK$38,359
baseline
▲ 0.50% · 4.625%
HK$40,693
+HK$2,334/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,718/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,156
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,233
−HK$1,092/mo
Today · 4.125%
HK$42,325
baseline
▲ 0.50% · 4.625%
HK$44,556
+HK$2,231/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,650/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,314
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,662
−HK$1,369/mo
Today · 4.125%
HK$46,031
baseline
▲ 0.50% · 4.625%
HK$48,831
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,062/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,187
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,479
−HK$1,311/mo
Today · 4.125%
HK$50,790
baseline
▲ 0.50% · 4.625%
HK$53,467
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,580/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,533
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,105
−HK$1,597/mo
Today · 4.125%
HK$53,702
baseline
▲ 0.50% · 4.625%
HK$56,970
+HK$3,268/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,404/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,218
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,726
−HK$1,529/mo
Today · 4.125%
HK$59,255
baseline
▲ 0.50% · 4.625%
HK$62,379
+HK$3,124/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,510/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,972
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,993
−HK$2,053/mo
Today · 4.125%
HK$69,046
baseline
▲ 0.50% · 4.625%
HK$73,247
+HK$4,201/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,092/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,280
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,219
−HK$1,966/mo
Today · 4.125%
HK$76,185
baseline
▲ 0.50% · 4.625%
HK$80,201
+HK$4,016/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,370/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,607 · Scale 2, in force from 26 Feb 2026)