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$36,157
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,282
−HK$1,142/mo
Today · 4.125%
HK$38,424
baseline
▲ 0.50% · 4.625%
HK$40,762
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,848/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,224
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,303
−HK$1,094/mo
Today · 4.125%
HK$42,397
baseline
▲ 0.50% · 4.625%
HK$44,632
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,794/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,388
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,738
−HK$1,371/mo
Today · 4.125%
HK$46,109
baseline
▲ 0.50% · 4.625%
HK$48,915
+HK$2,806/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,218/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,269
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,563
−HK$1,314/mo
Today · 4.125%
HK$50,877
baseline
▲ 0.50% · 4.625%
HK$53,559
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,754/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,620
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,194
−HK$1,600/mo
Today · 4.125%
HK$53,794
baseline
▲ 0.50% · 4.625%
HK$57,067
+HK$3,273/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,588/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,314
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,824
−HK$1,532/mo
Today · 4.125%
HK$59,356
baseline
▲ 0.50% · 4.625%
HK$62,485
+HK$3,129/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,712/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,082
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,107
−HK$2,057/mo
Today · 4.125%
HK$69,164
baseline
▲ 0.50% · 4.625%
HK$73,372
+HK$4,208/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,328/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,403
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,345
−HK$1,970/mo
Today · 4.125%
HK$76,315
baseline
▲ 0.50% · 4.625%
HK$80,338
+HK$4,023/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,630/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,618 · Scale 2, in force from 26 Feb 2026)