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$36,207
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,333
−HK$1,145/mo
Today · 4.125%
HK$38,478
baseline
▲ 0.50% · 4.625%
HK$40,819
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,956/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,280
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,360
−HK$1,096/mo
Today · 4.125%
HK$42,456
baseline
▲ 0.50% · 4.625%
HK$44,694
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,912/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,448
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,800
−HK$1,373/mo
Today · 4.125%
HK$46,173
baseline
▲ 0.50% · 4.625%
HK$48,983
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,346/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,336
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,632
−HK$1,315/mo
Today · 4.125%
HK$50,947
baseline
▲ 0.50% · 4.625%
HK$53,633
+HK$2,686/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,894/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,690
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,267
−HK$1,602/mo
Today · 4.125%
HK$53,869
baseline
▲ 0.50% · 4.625%
HK$57,146
+HK$3,277/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,738/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,392
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,904
−HK$1,535/mo
Today · 4.125%
HK$59,439
baseline
▲ 0.50% · 4.625%
HK$62,572
+HK$3,133/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,878/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,173
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,200
−HK$2,060/mo
Today · 4.125%
HK$69,260
baseline
▲ 0.50% · 4.625%
HK$73,474
+HK$4,214/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,520/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,504
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,449
−HK$1,972/mo
Today · 4.125%
HK$76,421
baseline
▲ 0.50% · 4.625%
HK$80,449
+HK$4,028/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,842/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,444 · Scale 2, in force from 26 Feb 2026)