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$36,214
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,340
−HK$1,145/mo
Today · 4.125%
HK$38,485
baseline
▲ 0.50% · 4.625%
HK$40,826
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,970/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,287
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,368
−HK$1,096/mo
Today · 4.125%
HK$42,464
baseline
▲ 0.50% · 4.625%
HK$44,702
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,928/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,456
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,808
−HK$1,374/mo
Today · 4.125%
HK$46,182
baseline
▲ 0.50% · 4.625%
HK$48,992
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,364/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,345
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,641
−HK$1,316/mo
Today · 4.125%
HK$50,957
baseline
▲ 0.50% · 4.625%
HK$53,643
+HK$2,686/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,914/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,699
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,276
−HK$1,602/mo
Today · 4.125%
HK$53,878
baseline
▲ 0.50% · 4.625%
HK$57,157
+HK$3,279/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$107,756/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,402
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,915
−HK$1,535/mo
Today · 4.125%
HK$59,450
baseline
▲ 0.50% · 4.625%
HK$62,583
+HK$3,133/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$118,900/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,185
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,212
−HK$2,060/mo
Today · 4.125%
HK$69,272
baseline
▲ 0.50% · 4.625%
HK$73,487
+HK$4,215/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,544/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,517
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,462
−HK$1,973/mo
Today · 4.125%
HK$76,435
baseline
▲ 0.50% · 4.625%
HK$80,464
+HK$4,029/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,870/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,554 · Scale 2, in force from 26 Feb 2026)