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$36,232
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,359
−HK$1,145/mo
Today · 4.125%
HK$38,504
baseline
▲ 0.50% · 4.625%
HK$40,847
+HK$2,343/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$77,008/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,308
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,389
−HK$1,096/mo
Today · 4.125%
HK$42,485
baseline
▲ 0.50% · 4.625%
HK$44,725
+HK$2,240/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,970/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,478
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,831
−HK$1,374/mo
Today · 4.125%
HK$46,205
baseline
▲ 0.50% · 4.625%
HK$49,016
+HK$2,811/mo
Deposit HK$6.36M · loan HK$9.53M · min. income ≈ HK$92,410/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,369
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,667
−HK$1,316/mo
Today · 4.125%
HK$50,983
baseline
▲ 0.50% · 4.625%
HK$53,670
+HK$2,687/mo
Deposit HK$6.36M · loan HK$9.53M · min. income ≈ HK$101,966/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,725
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,303
−HK$1,603/mo
Today · 4.125%
HK$53,906
baseline
▲ 0.50% · 4.625%
HK$57,186
+HK$3,280/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,812/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,431
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,944
−HK$1,536/mo
Today · 4.125%
HK$59,480
baseline
▲ 0.50% · 4.625%
HK$62,615
+HK$3,135/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,960/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,218
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,246
−HK$2,061/mo
Today · 4.125%
HK$69,307
baseline
▲ 0.50% · 4.625%
HK$73,525
+HK$4,218/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,614/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,554
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,500
−HK$1,974/mo
Today · 4.125%
HK$76,474
baseline
▲ 0.50% · 4.625%
HK$80,505
+HK$4,031/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,948/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,855 · Scale 2, in force from 26 Feb 2026)