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$36,195
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,320
−HK$1,144/mo
Today · 4.125%
HK$38,464
baseline
▲ 0.50% · 4.625%
HK$40,805
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,928/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,266
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,346
−HK$1,095/mo
Today · 4.125%
HK$42,441
baseline
▲ 0.50% · 4.625%
HK$44,679
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,882/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,433
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,784
−HK$1,373/mo
Today · 4.125%
HK$46,157
baseline
▲ 0.50% · 4.625%
HK$48,966
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,314/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,319
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,615
−HK$1,315/mo
Today · 4.125%
HK$50,930
baseline
▲ 0.50% · 4.625%
HK$53,614
+HK$2,684/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,860/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,672
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,249
−HK$1,601/mo
Today · 4.125%
HK$53,850
baseline
▲ 0.50% · 4.625%
HK$57,127
+HK$3,277/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,700/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,372
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,884
−HK$1,534/mo
Today · 4.125%
HK$59,418
baseline
▲ 0.50% · 4.625%
HK$62,550
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,836/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,150
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,177
−HK$2,059/mo
Today · 4.125%
HK$69,236
baseline
▲ 0.50% · 4.625%
HK$73,448
+HK$4,212/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,472/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,479
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,423
−HK$1,972/mo
Today · 4.125%
HK$76,395
baseline
▲ 0.50% · 4.625%
HK$80,422
+HK$4,027/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,790/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,238 · Scale 2, in force from 26 Feb 2026)