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$36,192
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,318
−HK$1,144/mo
Today · 4.125%
HK$38,462
baseline
▲ 0.50% · 4.625%
HK$40,802
+HK$2,340/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,924/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,264
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,344
−HK$1,095/mo
Today · 4.125%
HK$42,439
baseline
▲ 0.50% · 4.625%
HK$44,676
+HK$2,237/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,878/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,431
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,782
−HK$1,372/mo
Today · 4.125%
HK$46,154
baseline
▲ 0.50% · 4.625%
HK$48,963
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,308/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,316
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,612
−HK$1,315/mo
Today · 4.125%
HK$50,927
baseline
▲ 0.50% · 4.625%
HK$53,611
+HK$2,684/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,854/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,669
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,245
−HK$1,602/mo
Today · 4.125%
HK$53,847
baseline
▲ 0.50% · 4.625%
HK$57,123
+HK$3,276/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,694/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,369
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,881
−HK$1,534/mo
Today · 4.125%
HK$59,415
baseline
▲ 0.50% · 4.625%
HK$62,546
+HK$3,131/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,830/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,146
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,173
−HK$2,059/mo
Today · 4.125%
HK$69,232
baseline
▲ 0.50% · 4.625%
HK$73,444
+HK$4,212/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,464/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,475
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,418
−HK$1,972/mo
Today · 4.125%
HK$76,390
baseline
▲ 0.50% · 4.625%
HK$80,417
+HK$4,027/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,780/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,203 · Scale 2, in force from 26 Feb 2026)