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$36,149
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,273
−HK$1,143/mo
Today · 4.125%
HK$38,416
baseline
▲ 0.50% · 4.625%
HK$40,753
+HK$2,337/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,832/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,215
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,294
−HK$1,094/mo
Today · 4.125%
HK$42,388
baseline
▲ 0.50% · 4.625%
HK$44,622
+HK$2,234/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,776/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,379
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,728
−HK$1,371/mo
Today · 4.125%
HK$46,099
baseline
▲ 0.50% · 4.625%
HK$48,904
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,198/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,258
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,552
−HK$1,313/mo
Today · 4.125%
HK$50,865
baseline
▲ 0.50% · 4.625%
HK$53,547
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,730/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,608
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,183
−HK$1,599/mo
Today · 4.125%
HK$53,782
baseline
▲ 0.50% · 4.625%
HK$57,054
+HK$3,272/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,564/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,301
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,811
−HK$1,532/mo
Today · 4.125%
HK$59,343
baseline
▲ 0.50% · 4.625%
HK$62,471
+HK$3,128/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,686/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,068
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,092
−HK$2,056/mo
Today · 4.125%
HK$69,148
baseline
▲ 0.50% · 4.625%
HK$73,356
+HK$4,208/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,296/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,387
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,329
−HK$1,969/mo
Today · 4.125%
HK$76,298
baseline
▲ 0.50% · 4.625%
HK$80,320
+HK$4,022/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,596/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,486 · Scale 2, in force from 26 Feb 2026)