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$36,156
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,281
−HK$1,143/mo
Today · 4.125%
HK$38,424
baseline
▲ 0.50% · 4.625%
HK$40,762
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,848/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,224
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,302
−HK$1,095/mo
Today · 4.125%
HK$42,397
baseline
▲ 0.50% · 4.625%
HK$44,632
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,794/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,388
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,737
−HK$1,371/mo
Today · 4.125%
HK$46,108
baseline
▲ 0.50% · 4.625%
HK$48,914
+HK$2,806/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,216/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,268
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,563
−HK$1,313/mo
Today · 4.125%
HK$50,876
baseline
▲ 0.50% · 4.625%
HK$53,558
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,752/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,619
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,194
−HK$1,599/mo
Today · 4.125%
HK$53,793
baseline
▲ 0.50% · 4.625%
HK$57,066
+HK$3,273/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,586/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,313
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,823
−HK$1,533/mo
Today · 4.125%
HK$59,356
baseline
▲ 0.50% · 4.625%
HK$62,484
+HK$3,128/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,712/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,082
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,106
−HK$2,057/mo
Today · 4.125%
HK$69,163
baseline
▲ 0.50% · 4.625%
HK$73,371
+HK$4,208/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,326/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,403
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,344
−HK$1,970/mo
Today · 4.125%
HK$76,314
baseline
▲ 0.50% · 4.625%
HK$80,337
+HK$4,023/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,628/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,611 · Scale 2, in force from 26 Feb 2026)