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$36,162
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,287
−HK$1,143/mo
Today · 4.125%
HK$38,430
baseline
▲ 0.50% · 4.625%
HK$40,768
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,860/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,230
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,309
−HK$1,095/mo
Today · 4.125%
HK$42,404
baseline
▲ 0.50% · 4.625%
HK$44,639
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,808/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,395
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,744
−HK$1,372/mo
Today · 4.125%
HK$46,116
baseline
▲ 0.50% · 4.625%
HK$48,922
+HK$2,806/mo
Deposit HK$6.34M · loan HK$9.52M · min. income ≈ HK$92,232/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,276
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,571
−HK$1,313/mo
Today · 4.125%
HK$50,884
baseline
▲ 0.50% · 4.625%
HK$53,566
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.52M · min. income ≈ HK$101,768/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,627
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,202
−HK$1,600/mo
Today · 4.125%
HK$53,802
baseline
▲ 0.50% · 4.625%
HK$57,076
+HK$3,274/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,604/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,322
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,833
−HK$1,532/mo
Today · 4.125%
HK$59,365
baseline
▲ 0.50% · 4.625%
HK$62,494
+HK$3,129/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,730/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,092
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,117
−HK$2,057/mo
Today · 4.125%
HK$69,174
baseline
▲ 0.50% · 4.625%
HK$73,383
+HK$4,209/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,348/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,414
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,356
−HK$1,970/mo
Today · 4.125%
HK$76,326
baseline
▲ 0.50% · 4.625%
HK$80,350
+HK$4,024/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,652/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,706 · Scale 2, in force from 26 Feb 2026)