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$36,195
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,321
−HK$1,144/mo
Today · 4.125%
HK$38,465
baseline
▲ 0.50% · 4.625%
HK$40,806
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,930/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,267
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,347
−HK$1,096/mo
Today · 4.125%
HK$42,443
baseline
▲ 0.50% · 4.625%
HK$44,680
+HK$2,237/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,886/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,435
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,786
−HK$1,372/mo
Today · 4.125%
HK$46,158
baseline
▲ 0.50% · 4.625%
HK$48,967
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,316/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,321
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,616
−HK$1,315/mo
Today · 4.125%
HK$50,931
baseline
▲ 0.50% · 4.625%
HK$53,616
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,862/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,674
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,250
−HK$1,601/mo
Today · 4.125%
HK$53,851
baseline
▲ 0.50% · 4.625%
HK$57,128
+HK$3,277/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,702/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,374
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,886
−HK$1,534/mo
Today · 4.125%
HK$59,420
baseline
▲ 0.50% · 4.625%
HK$62,552
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,840/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,152
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,178
−HK$2,059/mo
Today · 4.125%
HK$69,237
baseline
▲ 0.50% · 4.625%
HK$73,450
+HK$4,213/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,474/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,481
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,425
−HK$1,972/mo
Today · 4.125%
HK$76,397
baseline
▲ 0.50% · 4.625%
HK$80,424
+HK$4,027/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,794/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,254 · Scale 2, in force from 26 Feb 2026)