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$36,159
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,283
−HK$1,143/mo
Today · 4.125%
HK$38,426
baseline
▲ 0.50% · 4.625%
HK$40,764
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,852/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,226
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,305
−HK$1,094/mo
Today · 4.125%
HK$42,399
baseline
▲ 0.50% · 4.625%
HK$44,634
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,798/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,390
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,740
−HK$1,371/mo
Today · 4.125%
HK$46,111
baseline
▲ 0.50% · 4.625%
HK$48,917
+HK$2,806/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,222/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,271
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,566
−HK$1,313/mo
Today · 4.125%
HK$50,879
baseline
▲ 0.50% · 4.625%
HK$53,561
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,758/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,622
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,197
−HK$1,600/mo
Today · 4.125%
HK$53,797
baseline
▲ 0.50% · 4.625%
HK$57,070
+HK$3,273/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,594/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,317
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,827
−HK$1,532/mo
Today · 4.125%
HK$59,359
baseline
▲ 0.50% · 4.625%
HK$62,488
+HK$3,129/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,718/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,086
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,110
−HK$2,057/mo
Today · 4.125%
HK$69,167
baseline
▲ 0.50% · 4.625%
HK$73,376
+HK$4,209/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,334/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,407
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,349
−HK$1,970/mo
Today · 4.125%
HK$76,319
baseline
▲ 0.50% · 4.625%
HK$80,342
+HK$4,023/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,638/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,649 · Scale 2, in force from 26 Feb 2026)