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$36,199
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,325
−HK$1,144/mo
Today · 4.125%
HK$38,469
baseline
▲ 0.50% · 4.625%
HK$40,809
+HK$2,340/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,938/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,271
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,351
−HK$1,095/mo
Today · 4.125%
HK$42,446
baseline
▲ 0.50% · 4.625%
HK$44,684
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,892/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,438
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,790
−HK$1,372/mo
Today · 4.125%
HK$46,162
baseline
▲ 0.50% · 4.625%
HK$48,971
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,324/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,325
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,621
−HK$1,315/mo
Today · 4.125%
HK$50,936
baseline
▲ 0.50% · 4.625%
HK$53,621
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,872/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,678
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,255
−HK$1,601/mo
Today · 4.125%
HK$53,856
baseline
▲ 0.50% · 4.625%
HK$57,133
+HK$3,277/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,712/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,379
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,891
−HK$1,534/mo
Today · 4.125%
HK$59,425
baseline
▲ 0.50% · 4.625%
HK$62,557
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,850/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,158
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,185
−HK$2,059/mo
Today · 4.125%
HK$69,244
baseline
▲ 0.50% · 4.625%
HK$73,457
+HK$4,213/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,488/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,487
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,431
−HK$1,973/mo
Today · 4.125%
HK$76,404
baseline
▲ 0.50% · 4.625%
HK$80,431
+HK$4,027/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,808/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,308 · Scale 2, in force from 26 Feb 2026)