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$36,147
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,271
−HK$1,143/mo
Today · 4.125%
HK$38,414
baseline
▲ 0.50% · 4.625%
HK$40,751
+HK$2,337/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,828/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,213
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,291
−HK$1,095/mo
Today · 4.125%
HK$42,386
baseline
▲ 0.50% · 4.625%
HK$44,620
+HK$2,234/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,772/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,376
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,725
−HK$1,371/mo
Today · 4.125%
HK$46,096
baseline
▲ 0.50% · 4.625%
HK$48,901
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,192/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,256
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,550
−HK$1,313/mo
Today · 4.125%
HK$50,863
baseline
▲ 0.50% · 4.625%
HK$53,544
+HK$2,681/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,726/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,606
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,180
−HK$1,599/mo
Today · 4.125%
HK$53,779
baseline
▲ 0.50% · 4.625%
HK$57,051
+HK$3,272/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,558/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,298
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,808
−HK$1,532/mo
Today · 4.125%
HK$59,340
baseline
▲ 0.50% · 4.625%
HK$62,468
+HK$3,128/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,680/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,064
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,088
−HK$2,056/mo
Today · 4.125%
HK$69,144
baseline
▲ 0.50% · 4.625%
HK$73,352
+HK$4,208/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,288/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,383
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,325
−HK$1,969/mo
Today · 4.125%
HK$76,294
baseline
▲ 0.50% · 4.625%
HK$80,316
+HK$4,022/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,588/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,453 · Scale 2, in force from 26 Feb 2026)