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$36,298
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,427
−HK$1,147/mo
Today · 4.125%
HK$38,574
baseline
▲ 0.50% · 4.625%
HK$40,922
+HK$2,348/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,148/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$596,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,381
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,464
−HK$1,099/mo
Today · 4.125%
HK$42,563
baseline
▲ 0.50% · 4.625%
HK$44,807
+HK$2,244/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,126/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$596,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,558
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,913
−HK$1,376/mo
Today · 4.125%
HK$46,289
baseline
▲ 0.50% · 4.625%
HK$49,106
+HK$2,817/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,578/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,458
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,757
−HK$1,319/mo
Today · 4.125%
HK$51,076
baseline
▲ 0.50% · 4.625%
HK$53,768
+HK$2,692/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,152/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,818
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,398
−HK$1,606/mo
Today · 4.125%
HK$54,004
baseline
▲ 0.50% · 4.625%
HK$57,290
+HK$3,286/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$108,008/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,534
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,050
−HK$1,538/mo
Today · 4.125%
HK$59,588
baseline
▲ 0.50% · 4.625%
HK$62,729
+HK$3,141/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$119,176/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,337
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,369
−HK$2,065/mo
Today · 4.125%
HK$69,434
baseline
▲ 0.50% · 4.625%
HK$73,659
+HK$4,225/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,868/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,687
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,636
−HK$1,978/mo
Today · 4.125%
HK$76,614
baseline
▲ 0.50% · 4.625%
HK$80,652
+HK$4,038/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,228/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,944 · Scale 2, in force from 26 Feb 2026)