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$36,230
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,357
−HK$1,145/mo
Today · 4.125%
HK$38,502
baseline
▲ 0.50% · 4.625%
HK$40,845
+HK$2,343/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$77,004/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,306
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,387
−HK$1,097/mo
Today · 4.125%
HK$42,484
baseline
▲ 0.50% · 4.625%
HK$44,723
+HK$2,239/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,968/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,476
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,829
−HK$1,374/mo
Today · 4.125%
HK$46,203
baseline
▲ 0.50% · 4.625%
HK$49,014
+HK$2,811/mo
Deposit HK$6.36M · loan HK$9.53M · min. income ≈ HK$92,406/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,367
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,664
−HK$1,316/mo
Today · 4.125%
HK$50,980
baseline
▲ 0.50% · 4.625%
HK$53,667
+HK$2,687/mo
Deposit HK$6.36M · loan HK$9.53M · min. income ≈ HK$101,960/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,723
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,300
−HK$1,603/mo
Today · 4.125%
HK$53,903
baseline
▲ 0.50% · 4.625%
HK$57,183
+HK$3,280/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,806/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,428
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,942
−HK$1,535/mo
Today · 4.125%
HK$59,477
baseline
▲ 0.50% · 4.625%
HK$62,612
+HK$3,135/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,954/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,215
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,243
−HK$2,061/mo
Today · 4.125%
HK$69,304
baseline
▲ 0.50% · 4.625%
HK$73,521
+HK$4,217/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,608/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,551
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,496
−HK$1,974/mo
Today · 4.125%
HK$76,470
baseline
▲ 0.50% · 4.625%
HK$80,501
+HK$4,031/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,940/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,828 · Scale 2, in force from 26 Feb 2026)