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$36,161
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,286
−HK$1,143/mo
Today · 4.125%
HK$38,429
baseline
▲ 0.50% · 4.625%
HK$40,767
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,858/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,229
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,308
−HK$1,094/mo
Today · 4.125%
HK$42,402
baseline
▲ 0.50% · 4.625%
HK$44,637
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,804/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,393
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,743
−HK$1,372/mo
Today · 4.125%
HK$46,115
baseline
▲ 0.50% · 4.625%
HK$48,921
+HK$2,806/mo
Deposit HK$6.34M · loan HK$9.52M · min. income ≈ HK$92,230/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,275
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,569
−HK$1,314/mo
Today · 4.125%
HK$50,883
baseline
▲ 0.50% · 4.625%
HK$53,565
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.52M · min. income ≈ HK$101,766/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,626
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,200
−HK$1,600/mo
Today · 4.125%
HK$53,800
baseline
▲ 0.50% · 4.625%
HK$57,074
+HK$3,274/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,600/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,321
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,831
−HK$1,532/mo
Today · 4.125%
HK$59,363
baseline
▲ 0.50% · 4.625%
HK$62,492
+HK$3,129/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,726/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,090
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,115
−HK$2,057/mo
Today · 4.125%
HK$69,172
baseline
▲ 0.50% · 4.625%
HK$73,381
+HK$4,209/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,344/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,412
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,354
−HK$1,970/mo
Today · 4.125%
HK$76,324
baseline
▲ 0.50% · 4.625%
HK$80,347
+HK$4,023/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,648/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,690 · Scale 2, in force from 26 Feb 2026)