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$36,196
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,322
−HK$1,144/mo
Today · 4.125%
HK$38,466
baseline
▲ 0.50% · 4.625%
HK$40,806
+HK$2,340/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,932/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,268
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,348
−HK$1,095/mo
Today · 4.125%
HK$42,443
baseline
▲ 0.50% · 4.625%
HK$44,680
+HK$2,237/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,886/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,435
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,786
−HK$1,373/mo
Today · 4.125%
HK$46,159
baseline
▲ 0.50% · 4.625%
HK$48,968
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,318/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,321
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,617
−HK$1,315/mo
Today · 4.125%
HK$50,932
baseline
▲ 0.50% · 4.625%
HK$53,617
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,864/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,674
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,251
−HK$1,601/mo
Today · 4.125%
HK$53,852
baseline
▲ 0.50% · 4.625%
HK$57,129
+HK$3,277/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,704/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,375
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,887
−HK$1,534/mo
Today · 4.125%
HK$59,421
baseline
▲ 0.50% · 4.625%
HK$62,553
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,842/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,153
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,179
−HK$2,059/mo
Today · 4.125%
HK$69,238
baseline
▲ 0.50% · 4.625%
HK$73,451
+HK$4,213/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,476/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,482
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,426
−HK$1,972/mo
Today · 4.125%
HK$76,398
baseline
▲ 0.50% · 4.625%
HK$80,425
+HK$4,027/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,796/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,263 · Scale 2, in force from 26 Feb 2026)