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$40,888
+HK$2,346/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$596,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,348
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,430
−HK$1,098/mo
Today · 4.125%
HK$42,528
baseline
▲ 0.50% · 4.625%
HK$44,769
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,056/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,522
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,876
−HK$1,375/mo
Today · 4.125%
HK$46,251
baseline
▲ 0.50% · 4.625%
HK$49,065
+HK$2,814/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,502/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,418
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,716
−HK$1,317/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$596,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,775
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,355
−HK$1,604/mo
Today · 4.125%
HK$53,959
baseline
▲ 0.50% · 4.625%
HK$57,243
+HK$3,284/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$596,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,487
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,002
−HK$1,537/mo
Today · 4.125%
HK$59,539
baseline
▲ 0.50% · 4.625%
HK$62,677
+HK$3,138/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,078/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,283
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,313
−HK$2,063/mo
Today · 4.125%
HK$69,376
baseline
▲ 0.50% · 4.625%
HK$73,598
+HK$4,222/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,752/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,626
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,574
−HK$1,976/mo
Today · 4.125%
HK$76,550
baseline
▲ 0.50% · 4.625%
HK$80,585
+HK$4,035/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,100/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,449 · Scale 2, in force from 26 Feb 2026)