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$36,136
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,260
−HK$1,142/mo
Today · 4.125%
HK$38,402
baseline
▲ 0.50% · 4.625%
HK$40,739
+HK$2,337/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,804/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,201
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,279
−HK$1,094/mo
Today · 4.125%
HK$42,373
baseline
▲ 0.50% · 4.625%
HK$44,607
+HK$2,234/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,746/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,364
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,712
−HK$1,371/mo
Today · 4.125%
HK$46,083
baseline
▲ 0.50% · 4.625%
HK$48,887
+HK$2,804/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,166/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,242
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,535
−HK$1,313/mo
Today · 4.125%
HK$50,848
baseline
▲ 0.50% · 4.625%
HK$53,528
+HK$2,680/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,696/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,591
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,165
−HK$1,598/mo
Today · 4.125%
HK$53,763
baseline
▲ 0.50% · 4.625%
HK$57,035
+HK$3,272/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,526/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,282
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,791
−HK$1,532/mo
Today · 4.125%
HK$59,323
baseline
▲ 0.50% · 4.625%
HK$62,450
+HK$3,127/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,646/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,045
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,069
−HK$2,055/mo
Today · 4.125%
HK$69,124
baseline
▲ 0.50% · 4.625%
HK$73,330
+HK$4,206/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,248/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,362
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,303
−HK$1,969/mo
Today · 4.125%
HK$76,272
baseline
▲ 0.50% · 4.625%
HK$80,292
+HK$4,020/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,544/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,281 · Scale 2, in force from 26 Feb 2026)