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$36,205
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,331
−HK$1,145/mo
Today · 4.125%
HK$38,476
baseline
▲ 0.50% · 4.625%
HK$40,817
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,952/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,278
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,358
−HK$1,096/mo
Today · 4.125%
HK$42,454
baseline
▲ 0.50% · 4.625%
HK$44,692
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,908/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,446
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,798
−HK$1,373/mo
Today · 4.125%
HK$46,171
baseline
▲ 0.50% · 4.625%
HK$48,980
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,342/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,334
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,630
−HK$1,315/mo
Today · 4.125%
HK$50,945
baseline
▲ 0.50% · 4.625%
HK$53,630
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,890/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,687
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,264
−HK$1,602/mo
Today · 4.125%
HK$53,866
baseline
▲ 0.50% · 4.625%
HK$57,143
+HK$3,277/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,732/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,389
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,901
−HK$1,535/mo
Today · 4.125%
HK$59,436
baseline
▲ 0.50% · 4.625%
HK$62,569
+HK$3,133/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,872/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,169
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,197
−HK$2,059/mo
Today · 4.125%
HK$69,256
baseline
▲ 0.50% · 4.625%
HK$73,470
+HK$4,214/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,512/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,500
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,445
−HK$1,972/mo
Today · 4.125%
HK$76,417
baseline
▲ 0.50% · 4.625%
HK$80,445
+HK$4,028/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,834/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,414 · Scale 2, in force from 26 Feb 2026)