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$594,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,218
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,296
−HK$1,095/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$594,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,381
−HK$2,721/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$594,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,261
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,556
−HK$1,313/mo
Today · 4.125%
HK$50,869
baseline
▲ 0.50% · 4.625%
HK$53,550
+HK$2,681/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$594,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,612
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,186
−HK$1,599/mo
Today · 4.125%
HK$53,785
baseline
▲ 0.50% · 4.625%
HK$57,058
+HK$3,273/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,570/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,526 · 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$62,475
+HK$3,128/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$594,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,072
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,096
−HK$2,057/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$594,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,392
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,334
−HK$1,969/mo
Today · 4.125%
HK$76,303
baseline
▲ 0.50% · 4.625%
HK$80,325
+HK$4,022/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,606/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,526 · Scale 2, in force from 26 Feb 2026)