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$36,177
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,303
−HK$1,143/mo
Today · 4.125%
HK$38,446
baseline
▲ 0.50% · 4.625%
HK$40,785
+HK$2,339/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,892/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,247
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,326
−HK$1,095/mo
Today · 4.125%
HK$42,421
baseline
▲ 0.50% · 4.625%
HK$44,657
+HK$2,236/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,842/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,413
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,763
−HK$1,372/mo
Today · 4.125%
HK$46,135
baseline
▲ 0.50% · 4.625%
HK$48,942
+HK$2,807/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,270/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,296
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,591
−HK$1,314/mo
Today · 4.125%
HK$50,905
baseline
▲ 0.50% · 4.625%
HK$53,589
+HK$2,684/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,810/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,648
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,224
−HK$1,600/mo
Today · 4.125%
HK$53,824
baseline
▲ 0.50% · 4.625%
HK$57,099
+HK$3,275/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,648/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,346
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,857
−HK$1,533/mo
Today · 4.125%
HK$59,390
baseline
▲ 0.50% · 4.625%
HK$62,520
+HK$3,130/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,780/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,119
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,145
−HK$2,058/mo
Today · 4.125%
HK$69,203
baseline
▲ 0.50% · 4.625%
HK$73,413
+HK$4,210/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,406/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,444
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,387
−HK$1,971/mo
Today · 4.125%
HK$76,358
baseline
▲ 0.50% · 4.625%
HK$80,383
+HK$4,025/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,716/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,954 · Scale 2, in force from 26 Feb 2026)