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$36,165
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,290
−HK$1,143/mo
Today · 4.125%
HK$38,433
baseline
▲ 0.50% · 4.625%
HK$40,772
+HK$2,339/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,866/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,234
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,313
−HK$1,094/mo
Today · 4.125%
HK$42,407
baseline
▲ 0.50% · 4.625%
HK$44,643
+HK$2,236/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,814/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,398
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,748
−HK$1,372/mo
Today · 4.125%
HK$46,120
baseline
▲ 0.50% · 4.625%
HK$48,926
+HK$2,806/mo
Deposit HK$6.34M · loan HK$9.52M · min. income ≈ HK$92,240/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,280
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,575
−HK$1,314/mo
Today · 4.125%
HK$50,889
baseline
▲ 0.50% · 4.625%
HK$53,571
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.52M · min. income ≈ HK$101,778/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,632
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,206
−HK$1,601/mo
Today · 4.125%
HK$53,807
baseline
▲ 0.50% · 4.625%
HK$57,081
+HK$3,274/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,614/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,327
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,838
−HK$1,532/mo
Today · 4.125%
HK$59,370
baseline
▲ 0.50% · 4.625%
HK$62,500
+HK$3,130/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,740/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,098
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,123
−HK$2,057/mo
Today · 4.125%
HK$69,180
baseline
▲ 0.50% · 4.625%
HK$73,389
+HK$4,209/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,360/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,421
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,363
−HK$1,970/mo
Today · 4.125%
HK$76,333
baseline
▲ 0.50% · 4.625%
HK$80,357
+HK$4,024/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,666/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,759 · Scale 2, in force from 26 Feb 2026)