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$36,209
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,335
−HK$1,144/mo
Today · 4.125%
HK$38,479
baseline
▲ 0.50% · 4.625%
HK$40,821
+HK$2,342/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,958/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,282
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,362
−HK$1,096/mo
Today · 4.125%
HK$42,458
baseline
▲ 0.50% · 4.625%
HK$44,696
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,916/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,451
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,802
−HK$1,373/mo
Today · 4.125%
HK$46,175
baseline
▲ 0.50% · 4.625%
HK$48,985
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,350/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,338
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,635
−HK$1,315/mo
Today · 4.125%
HK$50,950
baseline
▲ 0.50% · 4.625%
HK$53,636
+HK$2,686/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,900/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,692
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,269
−HK$1,602/mo
Today · 4.125%
HK$53,871
baseline
▲ 0.50% · 4.625%
HK$57,149
+HK$3,278/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$107,742/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,395
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,907
−HK$1,535/mo
Today · 4.125%
HK$59,442
baseline
▲ 0.50% · 4.625%
HK$62,575
+HK$3,133/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$118,884/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,176
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,203
−HK$2,060/mo
Today · 4.125%
HK$69,263
baseline
▲ 0.50% · 4.625%
HK$73,477
+HK$4,214/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,526/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,508
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,452
−HK$1,973/mo
Today · 4.125%
HK$76,425
baseline
▲ 0.50% · 4.625%
HK$80,453
+HK$4,028/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,850/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,473 · Scale 2, in force from 26 Feb 2026)