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$36,203
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,329
−HK$1,145/mo
Today · 4.125%
HK$38,474
baseline
▲ 0.50% · 4.625%
HK$40,815
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,948/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,276
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,356
−HK$1,096/mo
Today · 4.125%
HK$42,452
baseline
▲ 0.50% · 4.625%
HK$44,690
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,904/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,444
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,795
−HK$1,373/mo
Today · 4.125%
HK$46,168
baseline
▲ 0.50% · 4.625%
HK$48,978
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,336/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,331
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,627
−HK$1,315/mo
Today · 4.125%
HK$50,942
baseline
▲ 0.50% · 4.625%
HK$53,627
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,884/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,685
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,261
−HK$1,602/mo
Today · 4.125%
HK$53,863
baseline
▲ 0.50% · 4.625%
HK$57,141
+HK$3,278/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,726/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,386
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,898
−HK$1,535/mo
Today · 4.125%
HK$59,433
baseline
▲ 0.50% · 4.625%
HK$62,565
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,866/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,166
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,193
−HK$2,060/mo
Today · 4.125%
HK$69,253
baseline
▲ 0.50% · 4.625%
HK$73,466
+HK$4,213/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,506/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,497
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,441
−HK$1,972/mo
Today · 4.125%
HK$76,413
baseline
▲ 0.50% · 4.625%
HK$80,441
+HK$4,028/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,826/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,383 · Scale 2, in force from 26 Feb 2026)