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$36,222
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,349
−HK$1,144/mo
Today · 4.125%
HK$38,493
baseline
▲ 0.50% · 4.625%
HK$40,836
+HK$2,343/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,986/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,296
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,377
−HK$1,097/mo
Today · 4.125%
HK$42,474
baseline
▲ 0.50% · 4.625%
HK$44,712
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,948/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,466
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,818
−HK$1,374/mo
Today · 4.125%
HK$46,192
baseline
▲ 0.50% · 4.625%
HK$49,003
+HK$2,811/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,384/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,356
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,653
−HK$1,315/mo
Today · 4.125%
HK$50,968
baseline
▲ 0.50% · 4.625%
HK$53,655
+HK$2,687/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,936/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,711
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,288
−HK$1,603/mo
Today · 4.125%
HK$53,891
baseline
▲ 0.50% · 4.625%
HK$57,170
+HK$3,279/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,782/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,415
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,928
−HK$1,535/mo
Today · 4.125%
HK$59,463
baseline
▲ 0.50% · 4.625%
HK$62,597
+HK$3,134/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,926/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,199
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,227
−HK$2,061/mo
Today · 4.125%
HK$69,288
baseline
▲ 0.50% · 4.625%
HK$73,504
+HK$4,216/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,576/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,534
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,479
−HK$1,973/mo
Today · 4.125%
HK$76,452
baseline
▲ 0.50% · 4.625%
HK$80,482
+HK$4,030/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,904/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,688 · Scale 2, in force from 26 Feb 2026)