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$36,210
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,336
−HK$1,145/mo
Today · 4.125%
HK$38,481
baseline
▲ 0.50% · 4.625%
HK$40,822
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,962/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,283
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,364
−HK$1,096/mo
Today · 4.125%
HK$42,460
baseline
▲ 0.50% · 4.625%
HK$44,698
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,920/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,452
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,804
−HK$1,373/mo
Today · 4.125%
HK$46,177
baseline
▲ 0.50% · 4.625%
HK$48,987
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,354/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,340
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,637
−HK$1,315/mo
Today · 4.125%
HK$50,952
baseline
▲ 0.50% · 4.625%
HK$53,637
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,904/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,694
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,271
−HK$1,602/mo
Today · 4.125%
HK$53,873
baseline
▲ 0.50% · 4.625%
HK$57,151
+HK$3,278/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$107,746/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,397
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,909
−HK$1,535/mo
Today · 4.125%
HK$59,444
baseline
▲ 0.50% · 4.625%
HK$62,577
+HK$3,133/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$118,888/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,178
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,206
−HK$2,059/mo
Today · 4.125%
HK$69,265
baseline
▲ 0.50% · 4.625%
HK$73,480
+HK$4,215/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,530/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,510
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,455
−HK$1,973/mo
Today · 4.125%
HK$76,428
baseline
▲ 0.50% · 4.625%
HK$80,456
+HK$4,028/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,856/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,495 · Scale 2, in force from 26 Feb 2026)