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$36,173
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,298
−HK$1,143/mo
Today · 4.125%
HK$38,441
baseline
▲ 0.50% · 4.625%
HK$40,780
+HK$2,339/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,882/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,242
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,321
−HK$1,095/mo
Today · 4.125%
HK$42,416
baseline
▲ 0.50% · 4.625%
HK$44,652
+HK$2,236/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,832/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,407
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,758
−HK$1,371/mo
Today · 4.125%
HK$46,129
baseline
▲ 0.50% · 4.625%
HK$48,936
+HK$2,807/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,258/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,290
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,585
−HK$1,314/mo
Today · 4.125%
HK$50,899
baseline
▲ 0.50% · 4.625%
HK$53,582
+HK$2,683/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,798/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,642
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,217
−HK$1,601/mo
Today · 4.125%
HK$53,818
baseline
▲ 0.50% · 4.625%
HK$57,092
+HK$3,274/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,636/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,339
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,850
−HK$1,532/mo
Today · 4.125%
HK$59,382
baseline
▲ 0.50% · 4.625%
HK$62,513
+HK$3,131/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,764/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,111
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,136
−HK$2,058/mo
Today · 4.125%
HK$69,194
baseline
▲ 0.50% · 4.625%
HK$73,404
+HK$4,210/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,388/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,435
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,378
−HK$1,971/mo
Today · 4.125%
HK$76,349
baseline
▲ 0.50% · 4.625%
HK$80,373
+HK$4,024/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,698/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,881 · Scale 2, in force from 26 Feb 2026)