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$36,135
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,259
−HK$1,142/mo
Today · 4.125%
HK$38,401
baseline
▲ 0.50% · 4.625%
HK$40,738
+HK$2,337/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,802/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,200
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,278
−HK$1,094/mo
Today · 4.125%
HK$42,372
baseline
▲ 0.50% · 4.625%
HK$44,605
+HK$2,233/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,744/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,362
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,711
−HK$1,370/mo
Today · 4.125%
HK$46,081
baseline
▲ 0.50% · 4.625%
HK$48,885
+HK$2,804/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,162/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,240
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,534
−HK$1,312/mo
Today · 4.125%
HK$50,846
baseline
▲ 0.50% · 4.625%
HK$53,526
+HK$2,680/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,692/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,589
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,163
−HK$1,599/mo
Today · 4.125%
HK$53,762
baseline
▲ 0.50% · 4.625%
HK$57,033
+HK$3,271/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,524/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,280
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,789
−HK$1,532/mo
Today · 4.125%
HK$59,321
baseline
▲ 0.50% · 4.625%
HK$62,447
+HK$3,126/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,642/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,043
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,066
−HK$2,056/mo
Today · 4.125%
HK$69,122
baseline
▲ 0.50% · 4.625%
HK$73,328
+HK$4,206/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,244/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,360
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,301
−HK$1,968/mo
Today · 4.125%
HK$76,269
baseline
▲ 0.50% · 4.625%
HK$80,290
+HK$4,021/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,538/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,261 · Scale 2, in force from 26 Feb 2026)