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$36,214
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,340
−HK$1,145/mo
Today · 4.125%
HK$38,485
baseline
▲ 0.50% · 4.625%
HK$40,826
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,970/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,288
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,368
−HK$1,096/mo
Today · 4.125%
HK$42,464
baseline
▲ 0.50% · 4.625%
HK$44,703
+HK$2,239/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,928/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,457
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,808
−HK$1,374/mo
Today · 4.125%
HK$46,182
baseline
▲ 0.50% · 4.625%
HK$48,992
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,364/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,345
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,642
−HK$1,315/mo
Today · 4.125%
HK$50,957
baseline
▲ 0.50% · 4.625%
HK$53,643
+HK$2,686/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,914/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,699
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,276
−HK$1,603/mo
Today · 4.125%
HK$53,879
baseline
▲ 0.50% · 4.625%
HK$57,157
+HK$3,278/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$107,758/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,403
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,915
−HK$1,535/mo
Today · 4.125%
HK$59,450
baseline
▲ 0.50% · 4.625%
HK$62,584
+HK$3,134/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$118,900/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,185
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,213
−HK$2,060/mo
Today · 4.125%
HK$69,273
baseline
▲ 0.50% · 4.625%
HK$73,488
+HK$4,215/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,546/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,518
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,462
−HK$1,974/mo
Today · 4.125%
HK$76,436
baseline
▲ 0.50% · 4.625%
HK$80,465
+HK$4,029/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,872/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,556 · Scale 2, in force from 26 Feb 2026)