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$36,161
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,285
−HK$1,143/mo
Today · 4.125%
HK$38,428
baseline
▲ 0.50% · 4.625%
HK$40,766
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,856/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,228
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,307
−HK$1,095/mo
Today · 4.125%
HK$42,402
baseline
▲ 0.50% · 4.625%
HK$44,637
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,804/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,393
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,742
−HK$1,372/mo
Today · 4.125%
HK$46,114
baseline
▲ 0.50% · 4.625%
HK$48,920
+HK$2,806/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,228/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,274
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,569
−HK$1,313/mo
Today · 4.125%
HK$50,882
baseline
▲ 0.50% · 4.625%
HK$53,564
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,764/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,625
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,199
−HK$1,600/mo
Today · 4.125%
HK$53,799
baseline
▲ 0.50% · 4.625%
HK$57,073
+HK$3,274/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,598/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,320
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,830
−HK$1,532/mo
Today · 4.125%
HK$59,362
baseline
▲ 0.50% · 4.625%
HK$62,491
+HK$3,129/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,724/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,089
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,114
−HK$2,057/mo
Today · 4.125%
HK$69,171
baseline
▲ 0.50% · 4.625%
HK$73,380
+HK$4,209/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,342/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,411
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,353
−HK$1,970/mo
Today · 4.125%
HK$76,323
baseline
▲ 0.50% · 4.625%
HK$80,346
+HK$4,023/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,646/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,680 · Scale 2, in force from 26 Feb 2026)