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$36,249
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,377
−HK$1,145/mo
Today · 4.125%
HK$38,522
baseline
▲ 0.50% · 4.625%
HK$40,866
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,044/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,327
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,409
−HK$1,097/mo
Today · 4.125%
HK$42,506
baseline
▲ 0.50% · 4.625%
HK$44,746
+HK$2,240/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,012/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,499
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,852
−HK$1,375/mo
Today · 4.125%
HK$46,227
baseline
▲ 0.50% · 4.625%
HK$49,040
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,454/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,392
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,690
−HK$1,317/mo
Today · 4.125%
HK$51,007
baseline
▲ 0.50% · 4.625%
HK$53,695
+HK$2,688/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,014/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,749
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,328
−HK$1,603/mo
Today · 4.125%
HK$53,931
baseline
▲ 0.50% · 4.625%
HK$57,213
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,862/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,458
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,972
−HK$1,536/mo
Today · 4.125%
HK$59,508
baseline
▲ 0.50% · 4.625%
HK$62,645
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,016/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,249
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,278
−HK$2,062/mo
Today · 4.125%
HK$69,340
baseline
▲ 0.50% · 4.625%
HK$73,560
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,680/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,589
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,535
−HK$1,975/mo
Today · 4.125%
HK$76,510
baseline
▲ 0.50% · 4.625%
HK$80,543
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,020/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,139 · Scale 2, in force from 26 Feb 2026)