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$36,148
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,273
−HK$1,142/mo
Today · 4.125%
HK$38,415
baseline
▲ 0.50% · 4.625%
HK$40,753
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,830/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,215
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,293
−HK$1,094/mo
Today · 4.125%
HK$42,387
baseline
▲ 0.50% · 4.625%
HK$44,622
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,774/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,378
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,727
−HK$1,371/mo
Today · 4.125%
HK$46,098
baseline
▲ 0.50% · 4.625%
HK$48,903
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,196/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,257
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,552
−HK$1,313/mo
Today · 4.125%
HK$50,865
baseline
▲ 0.50% · 4.625%
HK$53,546
+HK$2,681/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$594,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,608
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,182
−HK$1,599/mo
Today · 4.125%
HK$53,781
baseline
▲ 0.50% · 4.625%
HK$57,054
+HK$3,273/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,562/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,300
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,810
−HK$1,532/mo
Today · 4.125%
HK$59,342
baseline
▲ 0.50% · 4.625%
HK$62,470
+HK$3,128/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,684/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,067
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,091
−HK$2,056/mo
Today · 4.125%
HK$69,147
baseline
▲ 0.50% · 4.625%
HK$73,355
+HK$4,208/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,294/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,386
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,328
−HK$1,969/mo
Today · 4.125%
HK$76,297
baseline
▲ 0.50% · 4.625%
HK$80,319
+HK$4,022/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,594/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,477 · Scale 2, in force from 26 Feb 2026)