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$36,181
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,306
−HK$1,144/mo
Today · 4.125%
HK$38,450
baseline
▲ 0.50% · 4.625%
HK$40,789
+HK$2,339/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,900/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,251
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,330
−HK$1,096/mo
Today · 4.125%
HK$42,426
baseline
▲ 0.50% · 4.625%
HK$44,662
+HK$2,236/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,852/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,417
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,768
−HK$1,372/mo
Today · 4.125%
HK$46,140
baseline
▲ 0.50% · 4.625%
HK$48,947
+HK$2,807/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,280/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,301
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,596
−HK$1,315/mo
Today · 4.125%
HK$50,911
baseline
▲ 0.50% · 4.625%
HK$53,594
+HK$2,683/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,822/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,653
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,229
−HK$1,601/mo
Today · 4.125%
HK$53,830
baseline
▲ 0.50% · 4.625%
HK$57,105
+HK$3,275/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,660/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,351
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,863
−HK$1,533/mo
Today · 4.125%
HK$59,396
baseline
▲ 0.50% · 4.625%
HK$62,527
+HK$3,131/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,792/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,126
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,151
−HK$2,059/mo
Today · 4.125%
HK$69,210
baseline
▲ 0.50% · 4.625%
HK$73,421
+HK$4,211/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,420/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,452
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,395
−HK$1,971/mo
Today · 4.125%
HK$76,366
baseline
▲ 0.50% · 4.625%
HK$80,391
+HK$4,025/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,732/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,014 · Scale 2, in force from 26 Feb 2026)