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$36,207
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,333
−HK$1,144/mo
Today · 4.125%
HK$38,477
baseline
▲ 0.50% · 4.625%
HK$40,818
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,954/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,279
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,360
−HK$1,096/mo
Today · 4.125%
HK$42,456
baseline
▲ 0.50% · 4.625%
HK$44,694
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,912/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,448
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,799
−HK$1,373/mo
Today · 4.125%
HK$46,172
baseline
▲ 0.50% · 4.625%
HK$48,982
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,344/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,335
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,632
−HK$1,315/mo
Today · 4.125%
HK$50,947
baseline
▲ 0.50% · 4.625%
HK$53,632
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,894/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,689
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,266
−HK$1,602/mo
Today · 4.125%
HK$53,868
baseline
▲ 0.50% · 4.625%
HK$57,146
+HK$3,278/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,736/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,391
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,904
−HK$1,534/mo
Today · 4.125%
HK$59,438
baseline
▲ 0.50% · 4.625%
HK$62,571
+HK$3,133/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,876/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,172
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,199
−HK$2,060/mo
Today · 4.125%
HK$69,259
baseline
▲ 0.50% · 4.625%
HK$73,473
+HK$4,214/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,518/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,503
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,447
−HK$1,973/mo
Today · 4.125%
HK$76,420
baseline
▲ 0.50% · 4.625%
HK$80,448
+HK$4,028/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,840/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,436 · Scale 2, in force from 26 Feb 2026)