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$36,141
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,265
−HK$1,143/mo
Today · 4.125%
HK$38,408
baseline
▲ 0.50% · 4.625%
HK$40,745
+HK$2,337/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,816/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,207
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,285
−HK$1,094/mo
Today · 4.125%
HK$42,379
baseline
▲ 0.50% · 4.625%
HK$44,613
+HK$2,234/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,758/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,370
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,719
−HK$1,370/mo
Today · 4.125%
HK$46,089
baseline
▲ 0.50% · 4.625%
HK$48,894
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,178/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,248
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,542
−HK$1,313/mo
Today · 4.125%
HK$50,855
baseline
▲ 0.50% · 4.625%
HK$53,535
+HK$2,680/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,710/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,598
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,172
−HK$1,599/mo
Today · 4.125%
HK$53,771
baseline
▲ 0.50% · 4.625%
HK$57,043
+HK$3,272/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,542/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,290
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,799
−HK$1,532/mo
Today · 4.125%
HK$59,331
baseline
▲ 0.50% · 4.625%
HK$62,458
+HK$3,127/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,662/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,054
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,078
−HK$2,056/mo
Today · 4.125%
HK$69,134
baseline
▲ 0.50% · 4.625%
HK$73,340
+HK$4,206/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,268/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,372
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,313
−HK$1,969/mo
Today · 4.125%
HK$76,282
baseline
▲ 0.50% · 4.625%
HK$80,303
+HK$4,021/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,564/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,362 · Scale 2, in force from 26 Feb 2026)