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$36,216
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,343
−HK$1,144/mo
Today · 4.125%
HK$38,487
baseline
▲ 0.50% · 4.625%
HK$40,829
+HK$2,342/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,974/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,290
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,371
−HK$1,096/mo
Today · 4.125%
HK$42,467
baseline
▲ 0.50% · 4.625%
HK$44,705
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,934/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,459
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,811
−HK$1,374/mo
Today · 4.125%
HK$46,185
baseline
▲ 0.50% · 4.625%
HK$48,995
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,370/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,348
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,645
−HK$1,315/mo
Today · 4.125%
HK$50,960
baseline
▲ 0.50% · 4.625%
HK$53,646
+HK$2,686/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,920/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,703
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,280
−HK$1,602/mo
Today · 4.125%
HK$53,882
baseline
▲ 0.50% · 4.625%
HK$57,161
+HK$3,279/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$107,764/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,406
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,919
−HK$1,534/mo
Today · 4.125%
HK$59,453
baseline
▲ 0.50% · 4.625%
HK$62,587
+HK$3,134/mo
Deposit HK$4.76M · loan HK$11.12M · min. income ≈ HK$118,906/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,189
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,217
−HK$2,060/mo
Today · 4.125%
HK$69,277
baseline
▲ 0.50% · 4.625%
HK$73,492
+HK$4,215/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,554/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,522
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,467
−HK$1,973/mo
Today · 4.125%
HK$76,440
baseline
▲ 0.50% · 4.625%
HK$80,469
+HK$4,029/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,880/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,593 · Scale 2, in force from 26 Feb 2026)