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$36,195
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,321
−HK$1,144/mo
Today · 4.125%
HK$38,465
baseline
▲ 0.50% · 4.625%
HK$40,805
+HK$2,340/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,930/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,267
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,347
−HK$1,095/mo
Today · 4.125%
HK$42,442
baseline
▲ 0.50% · 4.625%
HK$44,679
+HK$2,237/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,884/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,434
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,785
−HK$1,373/mo
Today · 4.125%
HK$46,158
baseline
▲ 0.50% · 4.625%
HK$48,966
+HK$2,808/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,316/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,320
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,616
−HK$1,315/mo
Today · 4.125%
HK$50,931
baseline
▲ 0.50% · 4.625%
HK$53,615
+HK$2,684/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,862/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,673
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,249
−HK$1,602/mo
Today · 4.125%
HK$53,851
baseline
▲ 0.50% · 4.625%
HK$57,128
+HK$3,277/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,702/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,373
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,885
−HK$1,534/mo
Today · 4.125%
HK$59,419
baseline
▲ 0.50% · 4.625%
HK$62,551
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,838/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,151
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,178
−HK$2,059/mo
Today · 4.125%
HK$69,237
baseline
▲ 0.50% · 4.625%
HK$73,450
+HK$4,213/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,474/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,480
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,424
−HK$1,972/mo
Today · 4.125%
HK$76,396
baseline
▲ 0.50% · 4.625%
HK$80,423
+HK$4,027/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,792/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,248 · Scale 2, in force from 26 Feb 2026)