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$2,267/mo
▼ 0.25% · 3.875%
HK$37,271
−HK$1,142/mo
Today · 4.125%
HK$38,413
baseline
▲ 0.50% · 4.625%
HK$40,750
+HK$2,337/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,826/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,212
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,291
−HK$1,094/mo
Today · 4.125%
HK$42,385
baseline
▲ 0.50% · 4.625%
HK$44,619
+HK$2,234/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,770/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,376
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,725
−HK$1,371/mo
Today · 4.125%
HK$46,096
baseline
▲ 0.50% · 4.625%
HK$48,900
+HK$2,804/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,192/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,255
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,549
−HK$1,313/mo
Today · 4.125%
HK$50,862
baseline
▲ 0.50% · 4.625%
HK$53,543
+HK$2,681/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,724/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,605
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,179
−HK$1,599/mo
Today · 4.125%
HK$53,778
baseline
▲ 0.50% · 4.625%
HK$57,051
+HK$3,273/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,556/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,297
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,807
−HK$1,532/mo
Today · 4.125%
HK$59,339
baseline
▲ 0.50% · 4.625%
HK$62,467
+HK$3,128/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,678/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,063
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,087
−HK$2,056/mo
Today · 4.125%
HK$69,143
baseline
▲ 0.50% · 4.625%
HK$73,351
+HK$4,208/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,286/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,382
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,324
−HK$1,969/mo
Today · 4.125%
HK$76,293
baseline
▲ 0.50% · 4.625%
HK$80,314
+HK$4,021/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,586/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,446 · Scale 2, in force from 26 Feb 2026)