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$36,186
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,312
−HK$1,144/mo
Today · 4.125%
HK$38,456
baseline
▲ 0.50% · 4.625%
HK$40,796
+HK$2,340/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,912/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,257
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,337
−HK$1,095/mo
Today · 4.125%
HK$42,432
baseline
▲ 0.50% · 4.625%
HK$44,669
+HK$2,237/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,864/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,424
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,774
−HK$1,373/mo
Today · 4.125%
HK$46,147
baseline
▲ 0.50% · 4.625%
HK$48,955
+HK$2,808/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,294/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,308
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,604
−HK$1,314/mo
Today · 4.125%
HK$50,918
baseline
▲ 0.50% · 4.625%
HK$53,602
+HK$2,684/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,836/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,661
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,237
−HK$1,601/mo
Today · 4.125%
HK$53,838
baseline
▲ 0.50% · 4.625%
HK$57,114
+HK$3,276/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,676/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,360
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,871
−HK$1,534/mo
Today · 4.125%
HK$59,405
baseline
▲ 0.50% · 4.625%
HK$62,536
+HK$3,131/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,810/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,135
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,162
−HK$2,058/mo
Today · 4.125%
HK$69,220
baseline
▲ 0.50% · 4.625%
HK$73,432
+HK$4,212/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,440/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,463
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,406
−HK$1,972/mo
Today · 4.125%
HK$76,378
baseline
▲ 0.50% · 4.625%
HK$80,403
+HK$4,025/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,756/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,104 · Scale 2, in force from 26 Feb 2026)