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$36,227
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,354
−HK$1,145/mo
Today · 4.125%
HK$38,499
baseline
▲ 0.50% · 4.625%
HK$40,842
+HK$2,343/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,998/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,303
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,383
−HK$1,097/mo
Today · 4.125%
HK$42,480
baseline
▲ 0.50% · 4.625%
HK$44,719
+HK$2,239/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,960/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,473
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,825
−HK$1,374/mo
Today · 4.125%
HK$46,199
baseline
▲ 0.50% · 4.625%
HK$49,010
+HK$2,811/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,398/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,363
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,660
−HK$1,316/mo
Today · 4.125%
HK$50,976
baseline
▲ 0.50% · 4.625%
HK$53,663
+HK$2,687/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,952/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,718
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,296
−HK$1,603/mo
Today · 4.125%
HK$53,899
baseline
▲ 0.50% · 4.625%
HK$57,178
+HK$3,279/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,798/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,424
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,937
−HK$1,535/mo
Today · 4.125%
HK$59,472
baseline
▲ 0.50% · 4.625%
HK$62,607
+HK$3,135/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,944/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,209
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,238
−HK$2,060/mo
Today · 4.125%
HK$69,298
baseline
▲ 0.50% · 4.625%
HK$73,515
+HK$4,217/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,596/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,545
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,490
−HK$1,974/mo
Today · 4.125%
HK$76,464
baseline
▲ 0.50% · 4.625%
HK$80,494
+HK$4,030/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,928/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,778 · Scale 2, in force from 26 Feb 2026)