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$36,197
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,323
−HK$1,144/mo
Today · 4.125%
HK$38,467
baseline
▲ 0.50% · 4.625%
HK$40,807
+HK$2,340/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,934/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,269
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,349
−HK$1,095/mo
Today · 4.125%
HK$42,444
baseline
▲ 0.50% · 4.625%
HK$44,682
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,888/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,436
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,788
−HK$1,372/mo
Today · 4.125%
HK$46,160
baseline
▲ 0.50% · 4.625%
HK$48,969
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,320/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,323
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,619
−HK$1,314/mo
Today · 4.125%
HK$50,933
baseline
▲ 0.50% · 4.625%
HK$53,618
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,866/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,676
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,252
−HK$1,602/mo
Today · 4.125%
HK$53,854
baseline
▲ 0.50% · 4.625%
HK$57,130
+HK$3,276/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,708/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,376
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,888
−HK$1,534/mo
Today · 4.125%
HK$59,422
baseline
▲ 0.50% · 4.625%
HK$62,554
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,844/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,155
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,181
−HK$2,059/mo
Today · 4.125%
HK$69,240
baseline
▲ 0.50% · 4.625%
HK$73,453
+HK$4,213/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,480/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,484
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,428
−HK$1,972/mo
Today · 4.125%
HK$76,400
baseline
▲ 0.50% · 4.625%
HK$80,427
+HK$4,027/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,800/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,279 · Scale 2, in force from 26 Feb 2026)