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$36,185
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,311
−HK$1,143/mo
Today · 4.125%
HK$38,454
baseline
▲ 0.50% · 4.625%
HK$40,794
+HK$2,340/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,908/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,255
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,335
−HK$1,095/mo
Today · 4.125%
HK$42,430
baseline
▲ 0.50% · 4.625%
HK$44,667
+HK$2,237/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,860/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,422
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,773
−HK$1,372/mo
Today · 4.125%
HK$46,145
baseline
▲ 0.50% · 4.625%
HK$48,953
+HK$2,808/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,290/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,306
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,602
−HK$1,314/mo
Today · 4.125%
HK$50,916
baseline
▲ 0.50% · 4.625%
HK$53,600
+HK$2,684/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,832/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,659
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,235
−HK$1,601/mo
Today · 4.125%
HK$53,836
baseline
▲ 0.50% · 4.625%
HK$57,111
+HK$3,275/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,672/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,358
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,869
−HK$1,533/mo
Today · 4.125%
HK$59,402
baseline
▲ 0.50% · 4.625%
HK$62,534
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,804/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,133
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,159
−HK$2,058/mo
Today · 4.125%
HK$69,217
baseline
▲ 0.50% · 4.625%
HK$73,429
+HK$4,212/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,434/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,460
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,403
−HK$1,972/mo
Today · 4.125%
HK$76,375
baseline
▲ 0.50% · 4.625%
HK$80,400
+HK$4,025/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,750/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,081 · Scale 2, in force from 26 Feb 2026)