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$36,271
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,399
−HK$1,147/mo
Today · 4.125%
HK$38,546
baseline
▲ 0.50% · 4.625%
HK$40,891
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,092/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,351
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,434
−HK$1,097/mo
Today · 4.125%
HK$42,531
baseline
▲ 0.50% · 4.625%
HK$44,773
+HK$2,242/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,062/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,525
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,879
−HK$1,376/mo
Today · 4.125%
HK$46,255
baseline
▲ 0.50% · 4.625%
HK$49,069
+HK$2,814/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,510/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,422
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,720
−HK$1,318/mo
Today · 4.125%
HK$51,038
baseline
▲ 0.50% · 4.625%
HK$53,728
+HK$2,690/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,076/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,780
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,359
−HK$1,605/mo
Today · 4.125%
HK$53,964
baseline
▲ 0.50% · 4.625%
HK$57,248
+HK$3,284/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,928/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,492
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,007
−HK$1,537/mo
Today · 4.125%
HK$59,544
baseline
▲ 0.50% · 4.625%
HK$62,683
+HK$3,139/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,088/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,288
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,319
−HK$2,063/mo
Today · 4.125%
HK$69,382
baseline
▲ 0.50% · 4.625%
HK$73,604
+HK$4,222/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,764/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,632
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,580
−HK$1,977/mo
Today · 4.125%
HK$76,557
baseline
▲ 0.50% · 4.625%
HK$80,592
+HK$4,035/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,114/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,499 · Scale 2, in force from 26 Feb 2026)