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$36,193
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,319
−HK$1,143/mo
Today · 4.125%
HK$38,462
baseline
▲ 0.50% · 4.625%
HK$40,803
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,924/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,264
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,344
−HK$1,095/mo
Today · 4.125%
HK$42,439
baseline
▲ 0.50% · 4.625%
HK$44,676
+HK$2,237/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,878/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,431
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,782
−HK$1,373/mo
Today · 4.125%
HK$46,155
baseline
▲ 0.50% · 4.625%
HK$48,963
+HK$2,808/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,310/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,317
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,613
−HK$1,314/mo
Today · 4.125%
HK$50,927
baseline
▲ 0.50% · 4.625%
HK$53,612
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,854/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,670
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,246
−HK$1,601/mo
Today · 4.125%
HK$53,847
baseline
▲ 0.50% · 4.625%
HK$57,124
+HK$3,277/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,694/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,370
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,882
−HK$1,533/mo
Today · 4.125%
HK$59,415
baseline
▲ 0.50% · 4.625%
HK$62,547
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,830/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,147
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,173
−HK$2,059/mo
Today · 4.125%
HK$69,232
baseline
▲ 0.50% · 4.625%
HK$73,445
+HK$4,213/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,464/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,475
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,419
−HK$1,972/mo
Today · 4.125%
HK$76,391
baseline
▲ 0.50% · 4.625%
HK$80,418
+HK$4,027/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,782/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,209 · Scale 2, in force from 26 Feb 2026)