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$36,190
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,316
−HK$1,144/mo
Today · 4.125%
HK$38,460
baseline
▲ 0.50% · 4.625%
HK$40,800
+HK$2,340/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,920/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,261
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,341
−HK$1,096/mo
Today · 4.125%
HK$42,437
baseline
▲ 0.50% · 4.625%
HK$44,673
+HK$2,236/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,874/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,428
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,779
−HK$1,373/mo
Today · 4.125%
HK$46,152
baseline
▲ 0.50% · 4.625%
HK$48,960
+HK$2,808/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,304/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,314
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,609
−HK$1,315/mo
Today · 4.125%
HK$50,924
baseline
▲ 0.50% · 4.625%
HK$53,608
+HK$2,684/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,848/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,666
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,242
−HK$1,602/mo
Today · 4.125%
HK$53,844
baseline
▲ 0.50% · 4.625%
HK$57,120
+HK$3,276/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,688/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,366
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,878
−HK$1,533/mo
Today · 4.125%
HK$59,411
baseline
▲ 0.50% · 4.625%
HK$62,543
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,822/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,143
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,169
−HK$2,059/mo
Today · 4.125%
HK$69,228
baseline
▲ 0.50% · 4.625%
HK$73,440
+HK$4,212/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,456/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,470
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,414
−HK$1,972/mo
Today · 4.125%
HK$76,386
baseline
▲ 0.50% · 4.625%
HK$80,412
+HK$4,026/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,772/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,169 · Scale 2, in force from 26 Feb 2026)