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$36,156
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,280
−HK$1,143/mo
Today · 4.125%
HK$38,423
baseline
▲ 0.50% · 4.625%
HK$40,761
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,846/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,223
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,302
−HK$1,094/mo
Today · 4.125%
HK$42,396
baseline
▲ 0.50% · 4.625%
HK$44,631
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,792/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,387
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,736
−HK$1,372/mo
Today · 4.125%
HK$46,108
baseline
▲ 0.50% · 4.625%
HK$48,913
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,216/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,268
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,562
−HK$1,313/mo
Today · 4.125%
HK$50,875
baseline
▲ 0.50% · 4.625%
HK$53,557
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,750/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,618
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,193
−HK$1,599/mo
Today · 4.125%
HK$53,792
baseline
▲ 0.50% · 4.625%
HK$57,065
+HK$3,273/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,584/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,312
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,822
−HK$1,532/mo
Today · 4.125%
HK$59,354
baseline
▲ 0.50% · 4.625%
HK$62,483
+HK$3,129/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,708/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,080
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,105
−HK$2,056/mo
Today · 4.125%
HK$69,161
baseline
▲ 0.50% · 4.625%
HK$73,370
+HK$4,209/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,322/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,401
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,343
−HK$1,970/mo
Today · 4.125%
HK$76,313
baseline
▲ 0.50% · 4.625%
HK$80,335
+HK$4,022/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,626/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,601 · Scale 2, in force from 26 Feb 2026)