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$36,260
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,388
−HK$1,146/mo
Today · 4.125%
HK$38,534
baseline
▲ 0.50% · 4.625%
HK$40,879
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,068/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,339
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,421
−HK$1,098/mo
Today · 4.125%
HK$42,519
baseline
▲ 0.50% · 4.625%
HK$44,760
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,038/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,512
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,866
−HK$1,375/mo
Today · 4.125%
HK$46,241
baseline
▲ 0.50% · 4.625%
HK$49,055
+HK$2,814/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,482/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,407
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,705
−HK$1,317/mo
Today · 4.125%
HK$51,022
baseline
▲ 0.50% · 4.625%
HK$53,712
+HK$2,690/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,044/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,765
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,344
−HK$1,604/mo
Today · 4.125%
HK$53,948
baseline
▲ 0.50% · 4.625%
HK$57,231
+HK$3,283/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,896/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,475
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,990
−HK$1,536/mo
Today · 4.125%
HK$59,526
baseline
▲ 0.50% · 4.625%
HK$62,664
+HK$3,138/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,052/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,269
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,299
−HK$2,063/mo
Today · 4.125%
HK$69,362
baseline
▲ 0.50% · 4.625%
HK$73,582
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,724/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,611
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,558
−HK$1,976/mo
Today · 4.125%
HK$76,534
baseline
▲ 0.50% · 4.625%
HK$80,568
+HK$4,034/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,068/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,321 · Scale 2, in force from 26 Feb 2026)