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$36,184
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,310
−HK$1,144/mo
Today · 4.125%
HK$38,454
baseline
▲ 0.50% · 4.625%
HK$40,793
+HK$2,339/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,908/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,255
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,334
−HK$1,096/mo
Today · 4.125%
HK$42,430
baseline
▲ 0.50% · 4.625%
HK$44,666
+HK$2,236/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,860/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,421
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,772
−HK$1,372/mo
Today · 4.125%
HK$46,144
baseline
▲ 0.50% · 4.625%
HK$48,952
+HK$2,808/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,288/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,306
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,601
−HK$1,315/mo
Today · 4.125%
HK$50,916
baseline
▲ 0.50% · 4.625%
HK$53,599
+HK$2,683/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,832/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,658
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,234
−HK$1,601/mo
Today · 4.125%
HK$53,835
baseline
▲ 0.50% · 4.625%
HK$57,111
+HK$3,276/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,670/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,357
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,868
−HK$1,534/mo
Today · 4.125%
HK$59,402
baseline
▲ 0.50% · 4.625%
HK$62,533
+HK$3,131/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,804/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,132
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,158
−HK$2,058/mo
Today · 4.125%
HK$69,216
baseline
▲ 0.50% · 4.625%
HK$73,428
+HK$4,212/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,432/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,459
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,402
−HK$1,971/mo
Today · 4.125%
HK$76,373
baseline
▲ 0.50% · 4.625%
HK$80,399
+HK$4,026/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,746/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,073 · Scale 2, in force from 26 Feb 2026)