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$36,292
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,421
−HK$1,147/mo
Today · 4.125%
HK$38,568
baseline
▲ 0.50% · 4.625%
HK$40,915
+HK$2,347/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,136/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,374
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,457
−HK$1,099/mo
Today · 4.125%
HK$42,556
baseline
▲ 0.50% · 4.625%
HK$44,799
+HK$2,243/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,112/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,550
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,905
−HK$1,376/mo
Today · 4.125%
HK$46,281
baseline
▲ 0.50% · 4.625%
HK$49,097
+HK$2,816/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,562/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,449
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,749
−HK$1,318/mo
Today · 4.125%
HK$51,067
baseline
▲ 0.50% · 4.625%
HK$53,759
+HK$2,692/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,134/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,809
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,389
−HK$1,606/mo
Today · 4.125%
HK$53,995
baseline
▲ 0.50% · 4.625%
HK$57,280
+HK$3,285/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,990/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,524
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,040
−HK$1,538/mo
Today · 4.125%
HK$59,578
baseline
▲ 0.50% · 4.625%
HK$62,718
+HK$3,140/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,156/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,325
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,357
−HK$2,065/mo
Today · 4.125%
HK$69,422
baseline
▲ 0.50% · 4.625%
HK$73,646
+HK$4,224/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,844/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,674
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,623
−HK$1,977/mo
Today · 4.125%
HK$76,600
baseline
▲ 0.50% · 4.625%
HK$80,638
+HK$4,038/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,200/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,840 · Scale 2, in force from 26 Feb 2026)