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$36,218
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,345
−HK$1,145/mo
Today · 4.125%
HK$38,490
baseline
▲ 0.50% · 4.625%
HK$40,832
+HK$2,342/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,980/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,293
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,373
−HK$1,097/mo
Today · 4.125%
HK$42,470
baseline
▲ 0.50% · 4.625%
HK$44,708
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,940/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,462
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,814
−HK$1,374/mo
Today · 4.125%
HK$46,188
baseline
▲ 0.50% · 4.625%
HK$48,998
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,376/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,351
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,648
−HK$1,315/mo
Today · 4.125%
HK$50,963
baseline
▲ 0.50% · 4.625%
HK$53,650
+HK$2,687/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,926/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,706
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,283
−HK$1,603/mo
Today · 4.125%
HK$53,886
baseline
▲ 0.50% · 4.625%
HK$57,164
+HK$3,278/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,772/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,410
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,923
−HK$1,534/mo
Today · 4.125%
HK$59,457
baseline
▲ 0.50% · 4.625%
HK$62,591
+HK$3,134/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,914/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,193
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,221
−HK$2,060/mo
Today · 4.125%
HK$69,281
baseline
▲ 0.50% · 4.625%
HK$73,497
+HK$4,216/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,562/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,527
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,472
−HK$1,973/mo
Today · 4.125%
HK$76,445
baseline
▲ 0.50% · 4.625%
HK$80,475
+HK$4,030/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,890/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,632 · Scale 2, in force from 26 Feb 2026)