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$36,268
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,396
−HK$1,146/mo
Today · 4.125%
HK$38,542
baseline
▲ 0.50% · 4.625%
HK$40,887
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,084/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,347
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,429
−HK$1,098/mo
Today · 4.125%
HK$42,527
baseline
▲ 0.50% · 4.625%
HK$44,769
+HK$2,242/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,054/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,521
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,875
−HK$1,375/mo
Today · 4.125%
HK$46,250
baseline
▲ 0.50% · 4.625%
HK$49,064
+HK$2,814/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,500/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,417
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,715
−HK$1,318/mo
Today · 4.125%
HK$51,033
baseline
▲ 0.50% · 4.625%
HK$53,723
+HK$2,690/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,066/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,775
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,354
−HK$1,605/mo
Today · 4.125%
HK$53,959
baseline
▲ 0.50% · 4.625%
HK$57,242
+HK$3,283/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,918/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,486
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,001
−HK$1,537/mo
Today · 4.125%
HK$59,538
baseline
▲ 0.50% · 4.625%
HK$62,676
+HK$3,138/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,076/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,282
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,312
−HK$2,063/mo
Today · 4.125%
HK$69,375
baseline
▲ 0.50% · 4.625%
HK$73,597
+HK$4,222/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,750/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,625
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,573
−HK$1,976/mo
Today · 4.125%
HK$76,549
baseline
▲ 0.50% · 4.625%
HK$80,584
+HK$4,035/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,098/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,440 · Scale 2, in force from 26 Feb 2026)