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$36,166
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,291
−HK$1,143/mo
Today · 4.125%
HK$38,434
baseline
▲ 0.50% · 4.625%
HK$40,772
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,868/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,234
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,313
−HK$1,095/mo
Today · 4.125%
HK$42,408
baseline
▲ 0.50% · 4.625%
HK$44,643
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,816/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,399
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,749
−HK$1,371/mo
Today · 4.125%
HK$46,120
baseline
▲ 0.50% · 4.625%
HK$48,927
+HK$2,807/mo
Deposit HK$6.34M · loan HK$9.52M · min. income ≈ HK$92,240/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,281
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,576
−HK$1,313/mo
Today · 4.125%
HK$50,889
baseline
▲ 0.50% · 4.625%
HK$53,572
+HK$2,683/mo
Deposit HK$6.34M · loan HK$9.52M · min. income ≈ HK$101,778/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,632
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,207
−HK$1,600/mo
Today · 4.125%
HK$53,807
baseline
▲ 0.50% · 4.625%
HK$57,081
+HK$3,274/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,614/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,328
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,838
−HK$1,533/mo
Today · 4.125%
HK$59,371
baseline
▲ 0.50% · 4.625%
HK$62,500
+HK$3,129/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,742/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,098
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,123
−HK$2,058/mo
Today · 4.125%
HK$69,181
baseline
▲ 0.50% · 4.625%
HK$73,390
+HK$4,209/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,362/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,421
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,364
−HK$1,970/mo
Today · 4.125%
HK$76,334
baseline
▲ 0.50% · 4.625%
HK$80,358
+HK$4,024/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,668/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,766 · Scale 2, in force from 26 Feb 2026)