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$36,182
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,308
−HK$1,143/mo
Today · 4.125%
HK$38,451
baseline
▲ 0.50% · 4.625%
HK$40,791
+HK$2,340/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,902/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,253
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,332
−HK$1,095/mo
Today · 4.125%
HK$42,427
baseline
▲ 0.50% · 4.625%
HK$44,664
+HK$2,237/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,854/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,419
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,769
−HK$1,373/mo
Today · 4.125%
HK$46,142
baseline
▲ 0.50% · 4.625%
HK$48,949
+HK$2,807/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,284/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,303
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,599
−HK$1,314/mo
Today · 4.125%
HK$50,913
baseline
▲ 0.50% · 4.625%
HK$53,596
+HK$2,683/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,826/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,655
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,231
−HK$1,601/mo
Today · 4.125%
HK$53,832
baseline
▲ 0.50% · 4.625%
HK$57,107
+HK$3,275/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,664/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,354
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,865
−HK$1,533/mo
Today · 4.125%
HK$59,398
baseline
▲ 0.50% · 4.625%
HK$62,529
+HK$3,131/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,796/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,128
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,154
−HK$2,058/mo
Today · 4.125%
HK$69,212
baseline
▲ 0.50% · 4.625%
HK$73,424
+HK$4,212/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,424/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,455
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,398
−HK$1,971/mo
Today · 4.125%
HK$76,369
baseline
▲ 0.50% · 4.625%
HK$80,395
+HK$4,026/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,738/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,039 · Scale 2, in force from 26 Feb 2026)