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$36,223
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,350
−HK$1,145/mo
Today · 4.125%
HK$38,495
baseline
▲ 0.50% · 4.625%
HK$40,837
+HK$2,342/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,990/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,298
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,379
−HK$1,096/mo
Today · 4.125%
HK$42,475
baseline
▲ 0.50% · 4.625%
HK$44,714
+HK$2,239/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,950/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,468
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,820
−HK$1,374/mo
Today · 4.125%
HK$46,194
baseline
▲ 0.50% · 4.625%
HK$49,004
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,388/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,358
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,654
−HK$1,316/mo
Today · 4.125%
HK$50,970
baseline
▲ 0.50% · 4.625%
HK$53,657
+HK$2,687/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,940/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,712
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,290
−HK$1,603/mo
Today · 4.125%
HK$53,893
baseline
▲ 0.50% · 4.625%
HK$57,172
+HK$3,279/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,786/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,417
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,930
−HK$1,535/mo
Today · 4.125%
HK$59,465
baseline
▲ 0.50% · 4.625%
HK$62,600
+HK$3,135/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,930/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,202
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,230
−HK$2,060/mo
Today · 4.125%
HK$69,290
baseline
▲ 0.50% · 4.625%
HK$73,507
+HK$4,217/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,580/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,536
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,482
−HK$1,973/mo
Today · 4.125%
HK$76,455
baseline
▲ 0.50% · 4.625%
HK$80,485
+HK$4,030/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,910/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,710 · Scale 2, in force from 26 Feb 2026)