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$36,189
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,314
−HK$1,144/mo
Today · 4.125%
HK$38,458
baseline
▲ 0.50% · 4.625%
HK$40,798
+HK$2,340/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,916/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,259
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,339
−HK$1,096/mo
Today · 4.125%
HK$42,435
baseline
▲ 0.50% · 4.625%
HK$44,671
+HK$2,236/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,870/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,426
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,777
−HK$1,372/mo
Today · 4.125%
HK$46,149
baseline
▲ 0.50% · 4.625%
HK$48,958
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,298/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,311
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,607
−HK$1,314/mo
Today · 4.125%
HK$50,921
baseline
▲ 0.50% · 4.625%
HK$53,606
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,842/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,664
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,240
−HK$1,601/mo
Today · 4.125%
HK$53,841
baseline
▲ 0.50% · 4.625%
HK$57,117
+HK$3,276/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,682/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,363
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,875
−HK$1,533/mo
Today · 4.125%
HK$59,408
baseline
▲ 0.50% · 4.625%
HK$62,540
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,816/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,139
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,166
−HK$2,058/mo
Today · 4.125%
HK$69,224
baseline
▲ 0.50% · 4.625%
HK$73,436
+HK$4,212/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,448/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,467
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,410
−HK$1,972/mo
Today · 4.125%
HK$76,382
baseline
▲ 0.50% · 4.625%
HK$80,408
+HK$4,026/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,764/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,140 · Scale 2, in force from 26 Feb 2026)