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$36,142
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,266
−HK$1,142/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$594,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,207
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,286
−HK$1,094/mo
Today · 4.125%
HK$42,380
baseline
▲ 0.50% · 4.625%
HK$44,614
+HK$2,234/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,760/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,370
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,719
−HK$1,371/mo
Today · 4.125%
HK$46,090
baseline
▲ 0.50% · 4.625%
HK$48,894
+HK$2,804/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,180/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,249
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,543
−HK$1,313/mo
Today · 4.125%
HK$50,856
baseline
▲ 0.50% · 4.625%
HK$53,536
+HK$2,680/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,712/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,599
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,172
−HK$1,600/mo
Today · 4.125%
HK$53,772
baseline
▲ 0.50% · 4.625%
HK$57,043
+HK$3,271/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,544/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,290
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,800
−HK$1,532/mo
Today · 4.125%
HK$59,332
baseline
▲ 0.50% · 4.625%
HK$62,459
+HK$3,127/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,664/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,055
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,079
−HK$2,056/mo
Today · 4.125%
HK$69,135
baseline
▲ 0.50% · 4.625%
HK$73,342
+HK$4,207/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,270/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,373
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,314
−HK$1,970/mo
Today · 4.125%
HK$76,284
baseline
▲ 0.50% · 4.625%
HK$80,305
+HK$4,021/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,568/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,372 · Scale 2, in force from 26 Feb 2026)