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$36,176
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,302
−HK$1,143/mo
Today · 4.125%
HK$38,445
baseline
▲ 0.50% · 4.625%
HK$40,784
+HK$2,339/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,890/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,246
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,325
−HK$1,095/mo
Today · 4.125%
HK$42,420
baseline
▲ 0.50% · 4.625%
HK$44,656
+HK$2,236/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,840/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,412
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,762
−HK$1,372/mo
Today · 4.125%
HK$46,134
baseline
▲ 0.50% · 4.625%
HK$48,941
+HK$2,807/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,268/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,295
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,590
−HK$1,314/mo
Today · 4.125%
HK$50,904
baseline
▲ 0.50% · 4.625%
HK$53,588
+HK$2,684/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,808/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,647
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,222
−HK$1,601/mo
Today · 4.125%
HK$53,823
baseline
▲ 0.50% · 4.625%
HK$57,098
+HK$3,275/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,646/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,344
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,855
−HK$1,533/mo
Today · 4.125%
HK$59,388
baseline
▲ 0.50% · 4.625%
HK$62,519
+HK$3,131/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,776/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,118
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,143
−HK$2,058/mo
Today · 4.125%
HK$69,201
baseline
▲ 0.50% · 4.625%
HK$73,412
+HK$4,211/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,402/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,443
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,386
−HK$1,971/mo
Today · 4.125%
HK$76,357
baseline
▲ 0.50% · 4.625%
HK$80,381
+HK$4,024/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,714/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,941 · Scale 2, in force from 26 Feb 2026)