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$36,178
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,303
−HK$1,144/mo
Today · 4.125%
HK$38,447
baseline
▲ 0.50% · 4.625%
HK$40,786
+HK$2,339/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,894/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,248
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,327
−HK$1,095/mo
Today · 4.125%
HK$42,422
baseline
▲ 0.50% · 4.625%
HK$44,658
+HK$2,236/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,844/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,414
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,764
−HK$1,372/mo
Today · 4.125%
HK$46,136
baseline
▲ 0.50% · 4.625%
HK$48,943
+HK$2,807/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,272/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,297
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,592
−HK$1,315/mo
Today · 4.125%
HK$50,907
baseline
▲ 0.50% · 4.625%
HK$53,590
+HK$2,683/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,814/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,649
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,225
−HK$1,600/mo
Today · 4.125%
HK$53,825
baseline
▲ 0.50% · 4.625%
HK$57,100
+HK$3,275/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,650/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,347
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,858
−HK$1,533/mo
Today · 4.125%
HK$59,391
baseline
▲ 0.50% · 4.625%
HK$62,522
+HK$3,131/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,782/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,120
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,146
−HK$2,058/mo
Today · 4.125%
HK$69,204
baseline
▲ 0.50% · 4.625%
HK$73,415
+HK$4,211/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,408/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,446
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,389
−HK$1,971/mo
Today · 4.125%
HK$76,360
baseline
▲ 0.50% · 4.625%
HK$80,385
+HK$4,025/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,720/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,966 · Scale 2, in force from 26 Feb 2026)