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$36,254
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,382
−HK$1,146/mo
Today · 4.125%
HK$38,528
baseline
▲ 0.50% · 4.625%
HK$40,872
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,056/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,333
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,414
−HK$1,098/mo
Today · 4.125%
HK$42,512
baseline
▲ 0.50% · 4.625%
HK$44,752
+HK$2,240/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,024/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,505
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,858
−HK$1,375/mo
Today · 4.125%
HK$46,233
baseline
▲ 0.50% · 4.625%
HK$49,046
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,466/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,399
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,697
−HK$1,317/mo
Today · 4.125%
HK$51,014
baseline
▲ 0.50% · 4.625%
HK$53,703
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,028/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,756
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,335
−HK$1,604/mo
Today · 4.125%
HK$53,939
baseline
▲ 0.50% · 4.625%
HK$57,221
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,878/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,466
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,980
−HK$1,536/mo
Today · 4.125%
HK$59,516
baseline
▲ 0.50% · 4.625%
HK$62,653
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,032/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,258
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,288
−HK$2,062/mo
Today · 4.125%
HK$69,350
baseline
▲ 0.50% · 4.625%
HK$73,570
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,700/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,599
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,546
−HK$1,975/mo
Today · 4.125%
HK$76,521
baseline
▲ 0.50% · 4.625%
HK$80,554
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,042/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,221 · Scale 2, in force from 26 Feb 2026)