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$36,144
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,268
−HK$1,142/mo
Today · 4.125%
HK$38,410
baseline
▲ 0.50% · 4.625%
HK$40,747
+HK$2,337/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,820/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,209
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,288
−HK$1,094/mo
Today · 4.125%
HK$42,382
baseline
▲ 0.50% · 4.625%
HK$44,616
+HK$2,234/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,764/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,372
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,721
−HK$1,371/mo
Today · 4.125%
HK$46,092
baseline
▲ 0.50% · 4.625%
HK$48,897
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,184/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,251
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,545
−HK$1,313/mo
Today · 4.125%
HK$50,858
baseline
▲ 0.50% · 4.625%
HK$53,539
+HK$2,681/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,716/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,601
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,175
−HK$1,599/mo
Today · 4.125%
HK$53,774
baseline
▲ 0.50% · 4.625%
HK$57,046
+HK$3,272/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,548/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,293
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,803
−HK$1,532/mo
Today · 4.125%
HK$59,335
baseline
▲ 0.50% · 4.625%
HK$62,462
+HK$3,127/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,670/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,059
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,082
−HK$2,056/mo
Today · 4.125%
HK$69,138
baseline
▲ 0.50% · 4.625%
HK$73,345
+HK$4,207/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,276/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,377
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,318
−HK$1,969/mo
Today · 4.125%
HK$76,287
baseline
▲ 0.50% · 4.625%
HK$80,308
+HK$4,021/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,574/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,401 · Scale 2, in force from 26 Feb 2026)