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$36,212
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,339
−HK$1,144/mo
Today · 4.125%
HK$38,483
baseline
▲ 0.50% · 4.625%
HK$40,825
+HK$2,342/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,966/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,286
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,366
−HK$1,096/mo
Today · 4.125%
HK$42,462
baseline
▲ 0.50% · 4.625%
HK$44,700
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,924/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,455
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,806
−HK$1,374/mo
Today · 4.125%
HK$46,180
baseline
▲ 0.50% · 4.625%
HK$48,990
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,360/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,343
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,639
−HK$1,316/mo
Today · 4.125%
HK$50,955
baseline
▲ 0.50% · 4.625%
HK$53,641
+HK$2,686/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,910/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,697
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,274
−HK$1,602/mo
Today · 4.125%
HK$53,876
baseline
▲ 0.50% · 4.625%
HK$57,154
+HK$3,278/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$107,752/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,400
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,913
−HK$1,534/mo
Today · 4.125%
HK$59,447
baseline
▲ 0.50% · 4.625%
HK$62,581
+HK$3,134/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$118,894/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,182
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,209
−HK$2,060/mo
Today · 4.125%
HK$69,269
baseline
▲ 0.50% · 4.625%
HK$73,484
+HK$4,215/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,538/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,514
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,459
−HK$1,973/mo
Today · 4.125%
HK$76,432
baseline
▲ 0.50% · 4.625%
HK$80,461
+HK$4,029/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,864/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,529 · Scale 2, in force from 26 Feb 2026)