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$36,262
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,390
−HK$1,146/mo
Today · 4.125%
HK$38,536
baseline
▲ 0.50% · 4.625%
HK$40,881
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,072/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,341
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,423
−HK$1,098/mo
Today · 4.125%
HK$42,521
baseline
▲ 0.50% · 4.625%
HK$44,762
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,042/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,514
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,868
−HK$1,375/mo
Today · 4.125%
HK$46,243
baseline
▲ 0.50% · 4.625%
HK$49,057
+HK$2,814/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,486/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,409
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,708
−HK$1,317/mo
Today · 4.125%
HK$51,025
baseline
▲ 0.50% · 4.625%
HK$53,714
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,050/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,767
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,346
−HK$1,604/mo
Today · 4.125%
HK$53,950
baseline
▲ 0.50% · 4.625%
HK$57,233
+HK$3,283/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,900/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,478
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,992
−HK$1,537/mo
Today · 4.125%
HK$59,529
baseline
▲ 0.50% · 4.625%
HK$62,667
+HK$3,138/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,058/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,272
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,302
−HK$2,063/mo
Today · 4.125%
HK$69,365
baseline
▲ 0.50% · 4.625%
HK$73,585
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,730/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,614
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,562
−HK$1,975/mo
Today · 4.125%
HK$76,537
baseline
▲ 0.50% · 4.625%
HK$80,572
+HK$4,035/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,074/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,349 · Scale 2, in force from 26 Feb 2026)