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$36,217
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,344
−HK$1,144/mo
Today · 4.125%
HK$38,488
baseline
▲ 0.50% · 4.625%
HK$40,830
+HK$2,342/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,976/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,291
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,372
−HK$1,096/mo
Today · 4.125%
HK$42,468
baseline
▲ 0.50% · 4.625%
HK$44,707
+HK$2,239/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,936/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,461
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,813
−HK$1,373/mo
Today · 4.125%
HK$46,186
baseline
▲ 0.50% · 4.625%
HK$48,996
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,372/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,350
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,646
−HK$1,316/mo
Today · 4.125%
HK$50,962
baseline
▲ 0.50% · 4.625%
HK$53,648
+HK$2,686/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,924/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,704
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,281
−HK$1,603/mo
Today · 4.125%
HK$53,884
baseline
▲ 0.50% · 4.625%
HK$57,162
+HK$3,278/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$107,768/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,408
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,921
−HK$1,534/mo
Today · 4.125%
HK$59,455
baseline
▲ 0.50% · 4.625%
HK$62,589
+HK$3,134/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$118,910/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,191
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,219
−HK$2,060/mo
Today · 4.125%
HK$69,279
baseline
▲ 0.50% · 4.625%
HK$73,495
+HK$4,216/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,558/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,524
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,470
−HK$1,973/mo
Today · 4.125%
HK$76,443
baseline
▲ 0.50% · 4.625%
HK$80,472
+HK$4,029/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,886/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,612 · Scale 2, in force from 26 Feb 2026)