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$36,152
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,276
−HK$1,143/mo
Today · 4.125%
HK$38,419
baseline
▲ 0.50% · 4.625%
HK$40,756
+HK$2,337/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,838/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,218
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,094/mo
Today · 4.125%
HK$42,391
baseline
▲ 0.50% · 4.625%
HK$44,626
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,782/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,382
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,731
−HK$1,371/mo
Today · 4.125%
HK$46,102
baseline
▲ 0.50% · 4.625%
HK$48,908
+HK$2,806/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,204/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,262
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,556
−HK$1,314/mo
Today · 4.125%
HK$50,870
baseline
▲ 0.50% · 4.625%
HK$53,551
+HK$2,681/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,740/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,612
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,187
−HK$1,599/mo
Today · 4.125%
HK$53,786
baseline
▲ 0.50% · 4.625%
HK$57,059
+HK$3,273/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,572/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,306
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,816
−HK$1,532/mo
Today · 4.125%
HK$59,348
baseline
▲ 0.50% · 4.625%
HK$62,476
+HK$3,128/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,696/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,073
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,097
−HK$2,057/mo
Today · 4.125%
HK$69,154
baseline
▲ 0.50% · 4.625%
HK$73,362
+HK$4,208/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,308/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,393
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,335
−HK$1,969/mo
Today · 4.125%
HK$76,304
baseline
▲ 0.50% · 4.625%
HK$80,326
+HK$4,022/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,608/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,534 · Scale 2, in force from 26 Feb 2026)