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$36,215
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,342
−HK$1,144/mo
Today · 4.125%
HK$38,486
baseline
▲ 0.50% · 4.625%
HK$40,828
+HK$2,342/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,972/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,289
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,370
−HK$1,096/mo
Today · 4.125%
HK$42,466
baseline
▲ 0.50% · 4.625%
HK$44,704
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,932/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,458
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,810
−HK$1,374/mo
Today · 4.125%
HK$46,184
baseline
▲ 0.50% · 4.625%
HK$48,994
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,368/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,347
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,644
−HK$1,315/mo
Today · 4.125%
HK$50,959
baseline
▲ 0.50% · 4.625%
HK$53,645
+HK$2,686/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,918/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,702
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,279
−HK$1,602/mo
Today · 4.125%
HK$53,881
baseline
▲ 0.50% · 4.625%
HK$57,160
+HK$3,279/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$107,762/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,405
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,918
−HK$1,534/mo
Today · 4.125%
HK$59,452
baseline
▲ 0.50% · 4.625%
HK$62,586
+HK$3,134/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$118,904/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,188
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,215
−HK$2,061/mo
Today · 4.125%
HK$69,276
baseline
▲ 0.50% · 4.625%
HK$73,491
+HK$4,215/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,552/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,521
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,466
−HK$1,973/mo
Today · 4.125%
HK$76,439
baseline
▲ 0.50% · 4.625%
HK$80,468
+HK$4,029/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,878/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,582 · Scale 2, in force from 26 Feb 2026)