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$37,277
−HK$1,142/mo
Today · 4.125%
HK$38,419
baseline
▲ 0.50% · 4.625%
HK$40,757
+HK$2,338/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$594,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,219
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,095/mo
Today · 4.125%
HK$42,392
baseline
▲ 0.50% · 4.625%
HK$44,626
+HK$2,234/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,784/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,382
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,732
−HK$1,371/mo
Today · 4.125%
HK$46,103
baseline
▲ 0.50% · 4.625%
HK$48,908
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,206/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,262
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,557
−HK$1,313/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$594,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,613
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,187
−HK$1,600/mo
Today · 4.125%
HK$53,787
baseline
▲ 0.50% · 4.625%
HK$57,059
+HK$3,272/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,574/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,538 · 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$62,477
+HK$3,129/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$594,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,074
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,098
−HK$2,056/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$594,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,394
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,335
−HK$1,970/mo
Today · 4.125%
HK$76,305
baseline
▲ 0.50% · 4.625%
HK$80,327
+HK$4,022/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,610/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,538 · Scale 2, in force from 26 Feb 2026)