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$36,119
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,243
−HK$1,141/mo
Today · 4.125%
HK$38,384
baseline
▲ 0.50% · 4.625%
HK$40,720
+HK$2,336/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,768/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$594,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,182
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,260
−HK$1,093/mo
Today · 4.125%
HK$42,353
baseline
▲ 0.50% · 4.625%
HK$44,586
+HK$2,233/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,706/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$594,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,343
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,692
−HK$1,369/mo
Today · 4.125%
HK$46,061
baseline
▲ 0.50% · 4.625%
HK$48,864
+HK$2,803/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$92,122/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,219
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,512
−HK$1,312/mo
Today · 4.125%
HK$50,824
baseline
▲ 0.50% · 4.625%
HK$53,503
+HK$2,679/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$101,648/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,567
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,140
−HK$1,598/mo
Today · 4.125%
HK$53,738
baseline
▲ 0.50% · 4.625%
HK$57,008
+HK$3,270/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,476/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,255
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,764
−HK$1,531/mo
Today · 4.125%
HK$59,295
baseline
▲ 0.50% · 4.625%
HK$62,420
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,590/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,015
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,037
−HK$2,055/mo
Today · 4.125%
HK$69,092
baseline
▲ 0.50% · 4.625%
HK$73,296
+HK$4,204/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,184/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,328
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,268
−HK$1,968/mo
Today · 4.125%
HK$76,236
baseline
▲ 0.50% · 4.625%
HK$80,255
+HK$4,019/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,472/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,003 · Scale 2, in force from 26 Feb 2026)