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$36,164
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,289
−HK$1,143/mo
Today · 4.125%
HK$38,432
baseline
▲ 0.50% · 4.625%
HK$40,770
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,864/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,232
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,311
−HK$1,095/mo
Today · 4.125%
HK$42,406
baseline
▲ 0.50% · 4.625%
HK$44,641
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,812/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,397
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,747
−HK$1,371/mo
Today · 4.125%
HK$46,118
baseline
▲ 0.50% · 4.625%
HK$48,924
+HK$2,806/mo
Deposit HK$6.34M · loan HK$9.52M · min. income ≈ HK$92,236/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,278
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,573
−HK$1,314/mo
Today · 4.125%
HK$50,887
baseline
▲ 0.50% · 4.625%
HK$53,569
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.52M · min. income ≈ HK$101,774/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,629
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,204
−HK$1,600/mo
Today · 4.125%
HK$53,804
baseline
▲ 0.50% · 4.625%
HK$57,078
+HK$3,274/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,608/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,325
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,835
−HK$1,533/mo
Today · 4.125%
HK$59,368
baseline
▲ 0.50% · 4.625%
HK$62,497
+HK$3,129/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,736/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,095
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,120
−HK$2,057/mo
Today · 4.125%
HK$69,177
baseline
▲ 0.50% · 4.625%
HK$73,386
+HK$4,209/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,354/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,418
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,360
−HK$1,970/mo
Today · 4.125%
HK$76,330
baseline
▲ 0.50% · 4.625%
HK$80,353
+HK$4,023/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,660/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,734 · Scale 2, in force from 26 Feb 2026)