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$36,171
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,296
−HK$1,143/mo
Today · 4.125%
HK$38,439
baseline
▲ 0.50% · 4.625%
HK$40,778
+HK$2,339/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,878/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,240
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,319
−HK$1,095/mo
Today · 4.125%
HK$42,414
baseline
▲ 0.50% · 4.625%
HK$44,650
+HK$2,236/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,828/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,405
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,756
−HK$1,371/mo
Today · 4.125%
HK$46,127
baseline
▲ 0.50% · 4.625%
HK$48,934
+HK$2,807/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,254/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,288
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,583
−HK$1,314/mo
Today · 4.125%
HK$50,897
baseline
▲ 0.50% · 4.625%
HK$53,580
+HK$2,683/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,794/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,640
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,215
−HK$1,600/mo
Today · 4.125%
HK$53,815
baseline
▲ 0.50% · 4.625%
HK$57,090
+HK$3,275/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,630/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,336
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,847
−HK$1,533/mo
Today · 4.125%
HK$59,380
baseline
▲ 0.50% · 4.625%
HK$62,510
+HK$3,130/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,760/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,108
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,133
−HK$2,058/mo
Today · 4.125%
HK$69,191
baseline
▲ 0.50% · 4.625%
HK$73,401
+HK$4,210/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,382/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,432
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,375
−HK$1,970/mo
Today · 4.125%
HK$76,345
baseline
▲ 0.50% · 4.625%
HK$80,370
+HK$4,025/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,690/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,854 · Scale 2, in force from 26 Feb 2026)