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$36,243
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,371
−HK$1,145/mo
Today · 4.125%
HK$38,516
baseline
▲ 0.50% · 4.625%
HK$40,860
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,032/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,320
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,402
−HK$1,097/mo
Today · 4.125%
HK$42,499
baseline
▲ 0.50% · 4.625%
HK$44,739
+HK$2,240/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$84,998/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,492
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,845
−HK$1,374/mo
Today · 4.125%
HK$46,219
baseline
▲ 0.50% · 4.625%
HK$49,031
+HK$2,812/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,438/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,384
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,682
−HK$1,316/mo
Today · 4.125%
HK$50,998
baseline
▲ 0.50% · 4.625%
HK$53,686
+HK$2,688/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$101,996/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,740
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,319
−HK$1,603/mo
Today · 4.125%
HK$53,922
baseline
▲ 0.50% · 4.625%
HK$57,203
+HK$3,281/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,844/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,448
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,962
−HK$1,536/mo
Today · 4.125%
HK$59,498
baseline
▲ 0.50% · 4.625%
HK$62,634
+HK$3,136/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$118,996/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,238
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,267
−HK$2,062/mo
Today · 4.125%
HK$69,329
baseline
▲ 0.50% · 4.625%
HK$73,547
+HK$4,218/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,658/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,576
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,523
−HK$1,974/mo
Today · 4.125%
HK$76,497
baseline
▲ 0.50% · 4.625%
HK$80,530
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,994/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,038 · Scale 2, in force from 26 Feb 2026)