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$36,151
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,276
−HK$1,142/mo
Today · 4.125%
HK$38,418
baseline
▲ 0.50% · 4.625%
HK$40,756
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,836/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,218
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,094/mo
Today · 4.125%
HK$42,391
baseline
▲ 0.50% · 4.625%
HK$44,625
+HK$2,234/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,782/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,382
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,731
−HK$1,371/mo
Today · 4.125%
HK$46,102
baseline
▲ 0.50% · 4.625%
HK$48,907
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,204/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,262
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,556
−HK$1,313/mo
Today · 4.125%
HK$50,869
baseline
▲ 0.50% · 4.625%
HK$53,551
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,738/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,612
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,186
−HK$1,600/mo
Today · 4.125%
HK$53,786
baseline
▲ 0.50% · 4.625%
HK$57,059
+HK$3,273/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,572/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,305
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,815
−HK$1,532/mo
Today · 4.125%
HK$59,347
baseline
▲ 0.50% · 4.625%
HK$62,476
+HK$3,129/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,694/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,073
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,097
−HK$2,056/mo
Today · 4.125%
HK$69,153
baseline
▲ 0.50% · 4.625%
HK$73,361
+HK$4,208/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,306/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,393
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,334
−HK$1,970/mo
Today · 4.125%
HK$76,304
baseline
▲ 0.50% · 4.625%
HK$80,326
+HK$4,022/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,608/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,529 · Scale 2, in force from 26 Feb 2026)