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$36,153
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,278
−HK$1,142/mo
Today · 4.125%
HK$38,420
baseline
▲ 0.50% · 4.625%
HK$40,758
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,840/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,220
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,299
−HK$1,094/mo
Today · 4.125%
HK$42,393
baseline
▲ 0.50% · 4.625%
HK$44,628
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,786/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,384
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,734
−HK$1,371/mo
Today · 4.125%
HK$46,105
baseline
▲ 0.50% · 4.625%
HK$48,910
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,210/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,264
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,559
−HK$1,313/mo
Today · 4.125%
HK$50,872
baseline
▲ 0.50% · 4.625%
HK$53,553
+HK$2,681/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,744/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,615
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,189
−HK$1,600/mo
Today · 4.125%
HK$53,789
baseline
▲ 0.50% · 4.625%
HK$57,062
+HK$3,273/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,578/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,308
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,818
−HK$1,532/mo
Today · 4.125%
HK$59,350
baseline
▲ 0.50% · 4.625%
HK$62,479
+HK$3,129/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,700/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,076
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,100
−HK$2,057/mo
Today · 4.125%
HK$69,157
baseline
▲ 0.50% · 4.625%
HK$73,365
+HK$4,208/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,314/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,396
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,338
−HK$1,970/mo
Today · 4.125%
HK$76,308
baseline
▲ 0.50% · 4.625%
HK$80,330
+HK$4,022/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,616/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,561 · Scale 2, in force from 26 Feb 2026)