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$36,122
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,246
−HK$1,142/mo
Today · 4.125%
HK$38,388
baseline
▲ 0.50% · 4.625%
HK$40,723
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,776/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$594,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,186
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,264
−HK$1,093/mo
Today · 4.125%
HK$42,357
baseline
▲ 0.50% · 4.625%
HK$44,590
+HK$2,233/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,714/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$594,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,347
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,695
−HK$1,370/mo
Today · 4.125%
HK$46,065
baseline
▲ 0.50% · 4.625%
HK$48,868
+HK$2,803/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$92,130/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,223
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,516
−HK$1,312/mo
Today · 4.125%
HK$50,828
baseline
▲ 0.50% · 4.625%
HK$53,508
+HK$2,680/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$101,656/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,571
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,144
−HK$1,599/mo
Today · 4.125%
HK$53,743
baseline
▲ 0.50% · 4.625%
HK$57,013
+HK$3,270/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,486/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,260
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,769
−HK$1,531/mo
Today · 4.125%
HK$59,300
baseline
▲ 0.50% · 4.625%
HK$62,426
+HK$3,126/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,600/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,020
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,043
−HK$2,055/mo
Today · 4.125%
HK$69,098
baseline
▲ 0.50% · 4.625%
HK$73,302
+HK$4,204/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,196/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,335
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,275
−HK$1,968/mo
Today · 4.125%
HK$76,243
baseline
▲ 0.50% · 4.625%
HK$80,261
+HK$4,018/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,486/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,053 · Scale 2, in force from 26 Feb 2026)