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$36,192
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,317
−HK$1,144/mo
Today · 4.125%
HK$38,461
baseline
▲ 0.50% · 4.625%
HK$40,801
+HK$2,340/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,922/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,263
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,343
−HK$1,095/mo
Today · 4.125%
HK$42,438
baseline
▲ 0.50% · 4.625%
HK$44,675
+HK$2,237/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,876/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,430
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,781
−HK$1,372/mo
Today · 4.125%
HK$46,153
baseline
▲ 0.50% · 4.625%
HK$48,962
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,306/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,315
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,611
−HK$1,315/mo
Today · 4.125%
HK$50,926
baseline
▲ 0.50% · 4.625%
HK$53,610
+HK$2,684/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,852/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,668
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,244
−HK$1,602/mo
Today · 4.125%
HK$53,846
baseline
▲ 0.50% · 4.625%
HK$57,122
+HK$3,276/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,692/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,368
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,880
−HK$1,533/mo
Today · 4.125%
HK$59,413
baseline
▲ 0.50% · 4.625%
HK$62,545
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,826/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,145
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,171
−HK$2,059/mo
Today · 4.125%
HK$69,230
baseline
▲ 0.50% · 4.625%
HK$73,443
+HK$4,213/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,460/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,473
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,417
−HK$1,972/mo
Today · 4.125%
HK$76,389
baseline
▲ 0.50% · 4.625%
HK$80,415
+HK$4,026/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,778/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,191 · Scale 2, in force from 26 Feb 2026)