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$36,149
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,274
−HK$1,142/mo
Today · 4.125%
HK$38,416
baseline
▲ 0.50% · 4.625%
HK$40,754
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,832/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,216
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,294
−HK$1,094/mo
Today · 4.125%
HK$42,388
baseline
▲ 0.50% · 4.625%
HK$44,623
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,776/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,379
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,728
−HK$1,371/mo
Today · 4.125%
HK$46,099
baseline
▲ 0.50% · 4.625%
HK$48,904
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,198/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,259
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,553
−HK$1,313/mo
Today · 4.125%
HK$50,866
baseline
▲ 0.50% · 4.625%
HK$53,547
+HK$2,681/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,732/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,609
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,183
−HK$1,600/mo
Today · 4.125%
HK$53,783
baseline
▲ 0.50% · 4.625%
HK$57,055
+HK$3,272/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,566/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,302
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,812
−HK$1,532/mo
Today · 4.125%
HK$59,344
baseline
▲ 0.50% · 4.625%
HK$62,472
+HK$3,128/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,688/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,069
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,093
−HK$2,056/mo
Today · 4.125%
HK$69,149
baseline
▲ 0.50% · 4.625%
HK$73,357
+HK$4,208/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,298/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,388
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,330
−HK$1,969/mo
Today · 4.125%
HK$76,299
baseline
▲ 0.50% · 4.625%
HK$80,321
+HK$4,022/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,598/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,493 · Scale 2, in force from 26 Feb 2026)