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$2,271/mo
▼ 0.25% · 3.875%
HK$37,336
−HK$1,144/mo
Today · 4.125%
HK$38,480
baseline
▲ 0.50% · 4.625%
HK$40,821
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,960/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,283
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,363
−HK$1,096/mo
Today · 4.125%
HK$42,459
baseline
▲ 0.50% · 4.625%
HK$44,697
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,918/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,451
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,803
−HK$1,373/mo
Today · 4.125%
HK$46,176
baseline
▲ 0.50% · 4.625%
HK$48,986
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,352/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,339
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,635
−HK$1,316/mo
Today · 4.125%
HK$50,951
baseline
▲ 0.50% · 4.625%
HK$53,636
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,902/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,693
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,270
−HK$1,602/mo
Today · 4.125%
HK$53,872
baseline
▲ 0.50% · 4.625%
HK$57,150
+HK$3,278/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$107,744/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,396
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,908
−HK$1,534/mo
Today · 4.125%
HK$59,442
baseline
▲ 0.50% · 4.625%
HK$62,576
+HK$3,134/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$595,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,177
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,204
−HK$2,060/mo
Today · 4.125%
HK$69,264
baseline
▲ 0.50% · 4.625%
HK$73,479
+HK$4,215/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,528/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,509
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,453
−HK$1,973/mo
Today · 4.125%
HK$76,426
baseline
▲ 0.50% · 4.625%
HK$80,454
+HK$4,028/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,852/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,482 · Scale 2, in force from 26 Feb 2026)