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$36,167
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,292
−HK$1,143/mo
Today · 4.125%
HK$38,435
baseline
▲ 0.50% · 4.625%
HK$40,774
+HK$2,339/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,870/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,236
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,315
−HK$1,095/mo
Today · 4.125%
HK$42,410
baseline
▲ 0.50% · 4.625%
HK$44,645
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,820/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,401
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,751
−HK$1,371/mo
Today · 4.125%
HK$46,122
baseline
▲ 0.50% · 4.625%
HK$48,929
+HK$2,807/mo
Deposit HK$6.34M · loan HK$9.52M · min. income ≈ HK$92,244/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,283
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,578
−HK$1,313/mo
Today · 4.125%
HK$50,891
baseline
▲ 0.50% · 4.625%
HK$53,574
+HK$2,683/mo
Deposit HK$6.34M · loan HK$9.52M · min. income ≈ HK$101,782/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,634
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,209
−HK$1,600/mo
Today · 4.125%
HK$53,809
baseline
▲ 0.50% · 4.625%
HK$57,084
+HK$3,275/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,618/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,330
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,841
−HK$1,532/mo
Today · 4.125%
HK$59,373
baseline
▲ 0.50% · 4.625%
HK$62,503
+HK$3,130/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,746/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,101
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,126
−HK$2,058/mo
Today · 4.125%
HK$69,184
baseline
▲ 0.50% · 4.625%
HK$73,393
+HK$4,209/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,368/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,424
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,367
−HK$1,970/mo
Today · 4.125%
HK$76,337
baseline
▲ 0.50% · 4.625%
HK$80,361
+HK$4,024/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,674/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,790 · Scale 2, in force from 26 Feb 2026)