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$36,199
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,325
−HK$1,144/mo
Today · 4.125%
HK$38,469
baseline
▲ 0.50% · 4.625%
HK$40,810
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,938/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,271
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,351
−HK$1,096/mo
Today · 4.125%
HK$42,447
baseline
▲ 0.50% · 4.625%
HK$44,684
+HK$2,237/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,894/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,439
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,790
−HK$1,373/mo
Today · 4.125%
HK$46,163
baseline
▲ 0.50% · 4.625%
HK$48,972
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,326/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,325
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,621
−HK$1,315/mo
Today · 4.125%
HK$50,936
baseline
▲ 0.50% · 4.625%
HK$53,621
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,872/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,679
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,255
−HK$1,602/mo
Today · 4.125%
HK$53,857
baseline
▲ 0.50% · 4.625%
HK$57,134
+HK$3,277/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,714/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,380
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,892
−HK$1,534/mo
Today · 4.125%
HK$59,426
baseline
▲ 0.50% · 4.625%
HK$62,558
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,852/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,158
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,185
−HK$2,059/mo
Today · 4.125%
HK$69,244
baseline
▲ 0.50% · 4.625%
HK$73,458
+HK$4,214/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,488/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,488
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,432
−HK$1,972/mo
Today · 4.125%
HK$76,404
baseline
▲ 0.50% · 4.625%
HK$80,432
+HK$4,028/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,808/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,314 · Scale 2, in force from 26 Feb 2026)