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$36,288
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,416
−HK$1,147/mo
Today · 4.125%
HK$38,563
baseline
▲ 0.50% · 4.625%
HK$40,910
+HK$2,347/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,126/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,370
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,452
−HK$1,099/mo
Today · 4.125%
HK$42,551
baseline
▲ 0.50% · 4.625%
HK$44,794
+HK$2,243/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,102/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,545
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,900
−HK$1,376/mo
Today · 4.125%
HK$46,276
baseline
▲ 0.50% · 4.625%
HK$49,092
+HK$2,816/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,552/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,444
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,743
−HK$1,318/mo
Today · 4.125%
HK$51,061
baseline
▲ 0.50% · 4.625%
HK$53,752
+HK$2,691/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,122/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,803
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,383
−HK$1,605/mo
Today · 4.125%
HK$53,988
baseline
▲ 0.50% · 4.625%
HK$57,274
+HK$3,286/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,976/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,517
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,033
−HK$1,538/mo
Today · 4.125%
HK$59,571
baseline
▲ 0.50% · 4.625%
HK$62,711
+HK$3,140/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,142/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,318
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,350
−HK$2,064/mo
Today · 4.125%
HK$69,414
baseline
▲ 0.50% · 4.625%
HK$73,637
+HK$4,223/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,828/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,665
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,614
−HK$1,977/mo
Today · 4.125%
HK$76,591
baseline
▲ 0.50% · 4.625%
HK$80,628
+HK$4,037/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,182/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,770 · Scale 2, in force from 26 Feb 2026)