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$36,125
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,249
−HK$1,142/mo
Today · 4.125%
HK$38,391
baseline
▲ 0.50% · 4.625%
HK$40,726
+HK$2,335/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$594,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,189
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,267
−HK$1,093/mo
Today · 4.125%
HK$42,360
baseline
▲ 0.50% · 4.625%
HK$44,593
+HK$2,233/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,720/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,350
−HK$2,719/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$594,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,227
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,520
−HK$1,312/mo
Today · 4.125%
HK$50,832
baseline
▲ 0.50% · 4.625%
HK$53,512
+HK$2,680/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,664/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,575
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,148
−HK$1,599/mo
Today · 4.125%
HK$53,747
baseline
▲ 0.50% · 4.625%
HK$57,017
+HK$3,270/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$594,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,264
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,773
−HK$1,531/mo
Today · 4.125%
HK$59,304
baseline
▲ 0.50% · 4.625%
HK$62,430
+HK$3,126/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,608/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,025
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,048
−HK$2,055/mo
Today · 4.125%
HK$69,103
baseline
▲ 0.50% · 4.625%
HK$73,308
+HK$4,205/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,206/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,340
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,280
−HK$1,968/mo
Today · 4.125%
HK$76,248
baseline
▲ 0.50% · 4.625%
HK$80,267
+HK$4,019/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,496/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,097 · Scale 2, in force from 26 Feb 2026)