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$36,137
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,261
−HK$1,142/mo
Today · 4.125%
HK$38,403
baseline
▲ 0.50% · 4.625%
HK$40,740
+HK$2,337/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,806/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,202
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,280
−HK$1,094/mo
Today · 4.125%
HK$42,374
baseline
▲ 0.50% · 4.625%
HK$44,608
+HK$2,234/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,748/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,365
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,713
−HK$1,371/mo
Today · 4.125%
HK$46,084
baseline
▲ 0.50% · 4.625%
HK$48,888
+HK$2,804/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,168/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,243
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,536
−HK$1,313/mo
Today · 4.125%
HK$50,849
baseline
▲ 0.50% · 4.625%
HK$53,529
+HK$2,680/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,698/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,592
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,166
−HK$1,599/mo
Today · 4.125%
HK$53,765
baseline
▲ 0.50% · 4.625%
HK$57,036
+HK$3,271/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,530/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,283
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,793
−HK$1,531/mo
Today · 4.125%
HK$59,324
baseline
▲ 0.50% · 4.625%
HK$62,451
+HK$3,127/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,648/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,047
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,070
−HK$2,056/mo
Today · 4.125%
HK$69,126
baseline
▲ 0.50% · 4.625%
HK$73,332
+HK$4,206/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,252/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,364
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,305
−HK$1,969/mo
Today · 4.125%
HK$76,274
baseline
▲ 0.50% · 4.625%
HK$80,294
+HK$4,020/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,548/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,295 · Scale 2, in force from 26 Feb 2026)