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$2,269/mo
▼ 0.25% · 3.875%
HK$37,309
−HK$1,144/mo
Today · 4.125%
HK$38,453
baseline
▲ 0.50% · 4.625%
HK$40,793
+HK$2,340/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,906/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,254
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,334
−HK$1,095/mo
Today · 4.125%
HK$42,429
baseline
▲ 0.50% · 4.625%
HK$44,665
+HK$2,236/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,858/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,421
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,771
−HK$1,372/mo
Today · 4.125%
HK$46,143
baseline
▲ 0.50% · 4.625%
HK$48,951
+HK$2,808/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,286/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,305
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,600
−HK$1,315/mo
Today · 4.125%
HK$50,915
baseline
▲ 0.50% · 4.625%
HK$53,598
+HK$2,683/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,830/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,657
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,233
−HK$1,601/mo
Today · 4.125%
HK$53,834
baseline
▲ 0.50% · 4.625%
HK$57,110
+HK$3,276/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,668/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,356
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,867
−HK$1,533/mo
Today · 4.125%
HK$59,400
baseline
▲ 0.50% · 4.625%
HK$62,532
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,800/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,131
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,157
−HK$2,058/mo
Today · 4.125%
HK$69,215
baseline
▲ 0.50% · 4.625%
HK$73,427
+HK$4,212/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,430/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,457
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,401
−HK$1,971/mo
Today · 4.125%
HK$76,372
baseline
▲ 0.50% · 4.625%
HK$80,398
+HK$4,026/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,744/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,061 · Scale 2, in force from 26 Feb 2026)