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$36,134
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,258
−HK$1,142/mo
Today · 4.125%
HK$38,400
baseline
▲ 0.50% · 4.625%
HK$40,736
+HK$2,336/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,800/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,198
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,276
−HK$1,094/mo
Today · 4.125%
HK$42,370
baseline
▲ 0.50% · 4.625%
HK$44,604
+HK$2,234/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,740/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,360
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,709
−HK$1,371/mo
Today · 4.125%
HK$46,080
baseline
▲ 0.50% · 4.625%
HK$48,883
+HK$2,803/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,160/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,238
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,532
−HK$1,312/mo
Today · 4.125%
HK$50,844
baseline
▲ 0.50% · 4.625%
HK$53,524
+HK$2,680/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,688/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,587
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,161
−HK$1,598/mo
Today · 4.125%
HK$53,759
baseline
▲ 0.50% · 4.625%
HK$57,031
+HK$3,272/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,518/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,278
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,787
−HK$1,531/mo
Today · 4.125%
HK$59,318
baseline
▲ 0.50% · 4.625%
HK$62,445
+HK$3,127/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,636/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,041
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,064
−HK$2,055/mo
Today · 4.125%
HK$69,119
baseline
▲ 0.50% · 4.625%
HK$73,325
+HK$4,206/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,238/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,357
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,298
−HK$1,968/mo
Today · 4.125%
HK$76,266
baseline
▲ 0.50% · 4.625%
HK$80,286
+HK$4,020/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,532/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,238 · Scale 2, in force from 26 Feb 2026)