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$36,140
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,264
−HK$1,142/mo
Today · 4.125%
HK$38,406
baseline
▲ 0.50% · 4.625%
HK$40,743
+HK$2,337/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,812/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,205
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,284
−HK$1,094/mo
Today · 4.125%
HK$42,378
baseline
▲ 0.50% · 4.625%
HK$44,611
+HK$2,233/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,756/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,368
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,717
−HK$1,371/mo
Today · 4.125%
HK$46,088
baseline
▲ 0.50% · 4.625%
HK$48,892
+HK$2,804/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,176/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,247
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,541
−HK$1,312/mo
Today · 4.125%
HK$50,853
baseline
▲ 0.50% · 4.625%
HK$53,534
+HK$2,681/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,706/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,596
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,170
−HK$1,599/mo
Today · 4.125%
HK$53,769
baseline
▲ 0.50% · 4.625%
HK$57,041
+HK$3,272/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,538/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,288
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,797
−HK$1,532/mo
Today · 4.125%
HK$59,329
baseline
▲ 0.50% · 4.625%
HK$62,456
+HK$3,127/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,658/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,052
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,076
−HK$2,055/mo
Today · 4.125%
HK$69,131
baseline
▲ 0.50% · 4.625%
HK$73,338
+HK$4,207/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,262/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,370
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,311
−HK$1,969/mo
Today · 4.125%
HK$76,280
baseline
▲ 0.50% · 4.625%
HK$80,301
+HK$4,021/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,560/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,343 · Scale 2, in force from 26 Feb 2026)