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$36,201
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,327
−HK$1,144/mo
Today · 4.125%
HK$38,471
baseline
▲ 0.50% · 4.625%
HK$40,812
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,942/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,273
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,353
−HK$1,096/mo
Today · 4.125%
HK$42,449
baseline
▲ 0.50% · 4.625%
HK$44,686
+HK$2,237/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,898/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,441
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,792
−HK$1,373/mo
Today · 4.125%
HK$46,165
baseline
▲ 0.50% · 4.625%
HK$48,974
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,330/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,328
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,624
−HK$1,315/mo
Today · 4.125%
HK$50,939
baseline
▲ 0.50% · 4.625%
HK$53,624
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,878/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,681
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,258
−HK$1,601/mo
Today · 4.125%
HK$53,859
baseline
▲ 0.50% · 4.625%
HK$57,137
+HK$3,278/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,718/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,382
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,894
−HK$1,534/mo
Today · 4.125%
HK$59,428
baseline
▲ 0.50% · 4.625%
HK$62,561
+HK$3,133/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,856/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,162
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,188
−HK$2,060/mo
Today · 4.125%
HK$69,248
baseline
▲ 0.50% · 4.625%
HK$73,461
+HK$4,213/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,496/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,492
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,436
−HK$1,972/mo
Today · 4.125%
HK$76,408
baseline
▲ 0.50% · 4.625%
HK$80,436
+HK$4,028/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,816/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,342 · Scale 2, in force from 26 Feb 2026)