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$36,206
−HK$2,271/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$595,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,279
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,360
−HK$1,095/mo
Today · 4.125%
HK$42,455
baseline
▲ 0.50% · 4.625%
HK$44,693
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,910/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,433 · 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$595,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,335
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,631
−HK$1,315/mo
Today · 4.125%
HK$50,946
baseline
▲ 0.50% · 4.625%
HK$53,632
+HK$2,686/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,892/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,433 · 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$57,145
+HK$3,277/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$595,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,391
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,903
−HK$1,535/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$595,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,171
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,199
−HK$2,059/mo
Today · 4.125%
HK$69,258
baseline
▲ 0.50% · 4.625%
HK$73,473
+HK$4,215/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,516/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,433 · 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$595,433 · Scale 2, in force from 26 Feb 2026)