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$36,155
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,280
−HK$1,142/mo
Today · 4.125%
HK$38,422
baseline
▲ 0.50% · 4.625%
HK$40,760
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,844/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,222
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,301
−HK$1,094/mo
Today · 4.125%
HK$42,395
baseline
▲ 0.50% · 4.625%
HK$44,630
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,790/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,386
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,736
−HK$1,371/mo
Today · 4.125%
HK$46,107
baseline
▲ 0.50% · 4.625%
HK$48,912
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,214/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,267
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,561
−HK$1,313/mo
Today · 4.125%
HK$50,874
baseline
▲ 0.50% · 4.625%
HK$53,556
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,748/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,617
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,192
−HK$1,599/mo
Today · 4.125%
HK$53,791
baseline
▲ 0.50% · 4.625%
HK$57,065
+HK$3,274/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,582/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,311
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,821
−HK$1,533/mo
Today · 4.125%
HK$59,354
baseline
▲ 0.50% · 4.625%
HK$62,482
+HK$3,128/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$594,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,079
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,104
−HK$2,056/mo
Today · 4.125%
HK$69,160
baseline
▲ 0.50% · 4.625%
HK$73,369
+HK$4,209/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,320/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,400
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,342
−HK$1,970/mo
Today · 4.125%
HK$76,312
baseline
▲ 0.50% · 4.625%
HK$80,334
+HK$4,022/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,624/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,592 · Scale 2, in force from 26 Feb 2026)