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$36,226
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,353
−HK$1,144/mo
Today · 4.125%
HK$38,497
baseline
▲ 0.50% · 4.625%
HK$40,840
+HK$2,343/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,994/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,301
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,382
−HK$1,096/mo
Today · 4.125%
HK$42,478
baseline
▲ 0.50% · 4.625%
HK$44,717
+HK$2,239/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,956/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,471
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,823
−HK$1,374/mo
Today · 4.125%
HK$46,197
baseline
▲ 0.50% · 4.625%
HK$49,008
+HK$2,811/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,394/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,361
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,658
−HK$1,316/mo
Today · 4.125%
HK$50,974
baseline
▲ 0.50% · 4.625%
HK$53,661
+HK$2,687/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,948/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,716
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,294
−HK$1,602/mo
Today · 4.125%
HK$53,896
baseline
▲ 0.50% · 4.625%
HK$57,176
+HK$3,280/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,792/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,421
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,934
−HK$1,535/mo
Today · 4.125%
HK$59,469
baseline
▲ 0.50% · 4.625%
HK$62,604
+HK$3,135/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,938/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,206
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,235
−HK$2,060/mo
Today · 4.125%
HK$69,295
baseline
▲ 0.50% · 4.625%
HK$73,512
+HK$4,217/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,590/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,541
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,487
−HK$1,974/mo
Today · 4.125%
HK$76,461
baseline
▲ 0.50% · 4.625%
HK$80,491
+HK$4,030/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,922/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,751 · Scale 2, in force from 26 Feb 2026)