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$36,221
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,347
−HK$1,145/mo
Today · 4.125%
HK$38,492
baseline
▲ 0.50% · 4.625%
HK$40,834
+HK$2,342/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,984/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,295
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,376
−HK$1,096/mo
Today · 4.125%
HK$42,472
baseline
▲ 0.50% · 4.625%
HK$44,711
+HK$2,239/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,944/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,465
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,817
−HK$1,374/mo
Today · 4.125%
HK$46,191
baseline
▲ 0.50% · 4.625%
HK$49,001
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,382/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,354
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,651
−HK$1,316/mo
Today · 4.125%
HK$50,967
baseline
▲ 0.50% · 4.625%
HK$53,653
+HK$2,686/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,934/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,709
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,286
−HK$1,603/mo
Today · 4.125%
HK$53,889
baseline
▲ 0.50% · 4.625%
HK$57,168
+HK$3,279/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,778/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,413
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,926
−HK$1,535/mo
Today · 4.125%
HK$59,461
baseline
▲ 0.50% · 4.625%
HK$62,595
+HK$3,134/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,922/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,197
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,225
−HK$2,061/mo
Today · 4.125%
HK$69,286
baseline
▲ 0.50% · 4.625%
HK$73,502
+HK$4,216/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,572/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,531
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,477
−HK$1,973/mo
Today · 4.125%
HK$76,450
baseline
▲ 0.50% · 4.625%
HK$80,480
+HK$4,030/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,900/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,669 · Scale 2, in force from 26 Feb 2026)