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$36,126
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,249
−HK$1,142/mo
Today · 4.125%
HK$38,391
baseline
▲ 0.50% · 4.625%
HK$40,727
+HK$2,336/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,782/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,189
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,267
−HK$1,094/mo
Today · 4.125%
HK$42,361
baseline
▲ 0.50% · 4.625%
HK$44,594
+HK$2,233/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,722/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,351
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,699
−HK$1,370/mo
Today · 4.125%
HK$46,069
baseline
▲ 0.50% · 4.625%
HK$48,872
+HK$2,803/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,138/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,227
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,521
−HK$1,312/mo
Today · 4.125%
HK$50,833
baseline
▲ 0.50% · 4.625%
HK$53,512
+HK$2,679/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,666/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,576
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,149
−HK$1,598/mo
Today · 4.125%
HK$53,747
baseline
▲ 0.50% · 4.625%
HK$57,018
+HK$3,271/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,494/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,265
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,774
−HK$1,531/mo
Today · 4.125%
HK$59,305
baseline
▲ 0.50% · 4.625%
HK$62,431
+HK$3,126/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,610/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,026
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,049
−HK$2,055/mo
Today · 4.125%
HK$69,104
baseline
▲ 0.50% · 4.625%
HK$73,309
+HK$4,205/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,208/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,341
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,281
−HK$1,968/mo
Today · 4.125%
HK$76,249
baseline
▲ 0.50% · 4.625%
HK$80,268
+HK$4,019/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,498/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,105 · Scale 2, in force from 26 Feb 2026)