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$36,141
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,265
−HK$1,142/mo
Today · 4.125%
HK$38,407
baseline
▲ 0.50% · 4.625%
HK$40,744
+HK$2,337/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,814/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,206
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,284
−HK$1,094/mo
Today · 4.125%
HK$42,378
baseline
▲ 0.50% · 4.625%
HK$44,612
+HK$2,234/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,756/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,369
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,718
−HK$1,370/mo
Today · 4.125%
HK$46,088
baseline
▲ 0.50% · 4.625%
HK$48,893
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,176/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,247
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,541
−HK$1,313/mo
Today · 4.125%
HK$50,854
baseline
▲ 0.50% · 4.625%
HK$53,535
+HK$2,681/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,708/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,597
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,171
−HK$1,599/mo
Today · 4.125%
HK$53,770
baseline
▲ 0.50% · 4.625%
HK$57,041
+HK$3,271/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,540/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,288
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,798
−HK$1,532/mo
Today · 4.125%
HK$59,330
baseline
▲ 0.50% · 4.625%
HK$62,457
+HK$3,127/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,660/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,053
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,077
−HK$2,055/mo
Today · 4.125%
HK$69,132
baseline
▲ 0.50% · 4.625%
HK$73,339
+HK$4,207/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,264/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,371
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,312
−HK$1,969/mo
Today · 4.125%
HK$76,281
baseline
▲ 0.50% · 4.625%
HK$80,302
+HK$4,021/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,562/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,351 · Scale 2, in force from 26 Feb 2026)