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$36,146
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,270
−HK$1,142/mo
Today · 4.125%
HK$38,412
baseline
▲ 0.50% · 4.625%
HK$40,750
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,824/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,212
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,290
−HK$1,094/mo
Today · 4.125%
HK$42,384
baseline
▲ 0.50% · 4.625%
HK$44,618
+HK$2,234/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,768/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,375
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,724
−HK$1,371/mo
Today · 4.125%
HK$46,095
baseline
▲ 0.50% · 4.625%
HK$48,900
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,190/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,254
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,548
−HK$1,313/mo
Today · 4.125%
HK$50,861
baseline
▲ 0.50% · 4.625%
HK$53,542
+HK$2,681/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,722/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,604
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,178
−HK$1,599/mo
Today · 4.125%
HK$53,777
baseline
▲ 0.50% · 4.625%
HK$57,049
+HK$3,272/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,554/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,296
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,806
−HK$1,532/mo
Today · 4.125%
HK$59,338
baseline
▲ 0.50% · 4.625%
HK$62,466
+HK$3,128/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,676/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,062
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,086
−HK$2,056/mo
Today · 4.125%
HK$69,142
baseline
▲ 0.50% · 4.625%
HK$73,349
+HK$4,207/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,284/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,381
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,322
−HK$1,970/mo
Today · 4.125%
HK$76,292
baseline
▲ 0.50% · 4.625%
HK$80,313
+HK$4,021/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,584/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,435 · Scale 2, in force from 26 Feb 2026)