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$36,286
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,415
−HK$1,146/mo
Today · 4.125%
HK$38,561
baseline
▲ 0.50% · 4.625%
HK$40,908
+HK$2,347/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,122/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,368
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,450
−HK$1,099/mo
Today · 4.125%
HK$42,549
baseline
▲ 0.50% · 4.625%
HK$44,792
+HK$2,243/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,098/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,543
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,898
−HK$1,376/mo
Today · 4.125%
HK$46,274
baseline
▲ 0.50% · 4.625%
HK$49,089
+HK$2,815/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,548/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,441
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,741
−HK$1,317/mo
Today · 4.125%
HK$51,058
baseline
▲ 0.50% · 4.625%
HK$53,750
+HK$2,692/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,116/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,800
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,381
−HK$1,605/mo
Today · 4.125%
HK$53,986
baseline
▲ 0.50% · 4.625%
HK$57,271
+HK$3,285/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,972/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,515
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,031
−HK$1,537/mo
Today · 4.125%
HK$59,568
baseline
▲ 0.50% · 4.625%
HK$62,708
+HK$3,140/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,136/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,315
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,346
−HK$2,065/mo
Today · 4.125%
HK$69,411
baseline
▲ 0.50% · 4.625%
HK$73,634
+HK$4,223/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,822/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,662
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,611
−HK$1,977/mo
Today · 4.125%
HK$76,588
baseline
▲ 0.50% · 4.625%
HK$80,625
+HK$4,037/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,176/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,742 · Scale 2, in force from 26 Feb 2026)