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$36,192
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,318
−HK$1,144/mo
Today · 4.125%
HK$38,462
baseline
▲ 0.50% · 4.625%
HK$40,802
+HK$2,340/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,924/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,263
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,343
−HK$1,096/mo
Today · 4.125%
HK$42,439
baseline
▲ 0.50% · 4.625%
HK$44,676
+HK$2,237/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,878/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,430
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,781
−HK$1,373/mo
Today · 4.125%
HK$46,154
baseline
▲ 0.50% · 4.625%
HK$48,962
+HK$2,808/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,308/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,316
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,612
−HK$1,314/mo
Today · 4.125%
HK$50,926
baseline
▲ 0.50% · 4.625%
HK$53,611
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,852/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,669
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,245
−HK$1,601/mo
Today · 4.125%
HK$53,846
baseline
▲ 0.50% · 4.625%
HK$57,123
+HK$3,277/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,692/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,369
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,880
−HK$1,534/mo
Today · 4.125%
HK$59,414
baseline
▲ 0.50% · 4.625%
HK$62,546
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,828/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,146
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,172
−HK$2,059/mo
Today · 4.125%
HK$69,231
baseline
▲ 0.50% · 4.625%
HK$73,443
+HK$4,212/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,462/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,474
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,418
−HK$1,971/mo
Today · 4.125%
HK$76,389
baseline
▲ 0.50% · 4.625%
HK$80,416
+HK$4,027/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,778/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,198 · Scale 2, in force from 26 Feb 2026)