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$36,139
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,263
−HK$1,142/mo
Today · 4.125%
HK$38,405
baseline
▲ 0.50% · 4.625%
HK$40,742
+HK$2,337/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,810/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,204
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,282
−HK$1,094/mo
Today · 4.125%
HK$42,376
baseline
▲ 0.50% · 4.625%
HK$44,610
+HK$2,234/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,752/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,366
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,715
−HK$1,371/mo
Today · 4.125%
HK$46,086
baseline
▲ 0.50% · 4.625%
HK$48,890
+HK$2,804/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,172/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,245
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,538
−HK$1,313/mo
Today · 4.125%
HK$50,851
baseline
▲ 0.50% · 4.625%
HK$53,532
+HK$2,681/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,702/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,594
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,168
−HK$1,599/mo
Today · 4.125%
HK$53,767
baseline
▲ 0.50% · 4.625%
HK$57,038
+HK$3,271/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,534/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,285
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,795
−HK$1,531/mo
Today · 4.125%
HK$59,326
baseline
▲ 0.50% · 4.625%
HK$62,453
+HK$3,127/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,652/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,049
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,073
−HK$2,056/mo
Today · 4.125%
HK$69,129
baseline
▲ 0.50% · 4.625%
HK$73,335
+HK$4,206/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,258/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,367
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,308
−HK$1,969/mo
Today · 4.125%
HK$76,277
baseline
▲ 0.50% · 4.625%
HK$80,297
+HK$4,020/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,554/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,318 · Scale 2, in force from 26 Feb 2026)