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$36,208
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,334
−HK$1,144/mo
Today · 4.125%
HK$38,478
baseline
▲ 0.50% · 4.625%
HK$40,819
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,956/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,281
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,361
−HK$1,096/mo
Today · 4.125%
HK$42,457
baseline
▲ 0.50% · 4.625%
HK$44,695
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,914/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,449
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,801
−HK$1,373/mo
Today · 4.125%
HK$46,174
baseline
▲ 0.50% · 4.625%
HK$48,983
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,348/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,337
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,633
−HK$1,315/mo
Today · 4.125%
HK$50,948
baseline
▲ 0.50% · 4.625%
HK$53,634
+HK$2,686/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,896/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,691
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,267
−HK$1,602/mo
Today · 4.125%
HK$53,869
baseline
▲ 0.50% · 4.625%
HK$57,147
+HK$3,278/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$107,738/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,393
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,905
−HK$1,535/mo
Today · 4.125%
HK$59,440
baseline
▲ 0.50% · 4.625%
HK$62,573
+HK$3,133/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$118,880/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,174
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,201
−HK$2,060/mo
Today · 4.125%
HK$69,261
baseline
▲ 0.50% · 4.625%
HK$73,475
+HK$4,214/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,522/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,505
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,450
−HK$1,972/mo
Today · 4.125%
HK$76,422
baseline
▲ 0.50% · 4.625%
HK$80,451
+HK$4,029/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,844/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,454 · Scale 2, in force from 26 Feb 2026)