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$36,270
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,399
−HK$1,146/mo
Today · 4.125%
HK$38,545
baseline
▲ 0.50% · 4.625%
HK$40,890
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,090/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,350
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,433
−HK$1,097/mo
Today · 4.125%
HK$42,530
baseline
▲ 0.50% · 4.625%
HK$44,772
+HK$2,242/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,060/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,524
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,878
−HK$1,376/mo
Today · 4.125%
HK$46,254
baseline
▲ 0.50% · 4.625%
HK$49,068
+HK$2,814/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,508/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,420
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,719
−HK$1,317/mo
Today · 4.125%
HK$51,036
baseline
▲ 0.50% · 4.625%
HK$53,727
+HK$2,691/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,072/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,778
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,358
−HK$1,605/mo
Today · 4.125%
HK$53,963
baseline
▲ 0.50% · 4.625%
HK$57,246
+HK$3,283/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,926/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,491
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,006
−HK$1,537/mo
Today · 4.125%
HK$59,543
baseline
▲ 0.50% · 4.625%
HK$62,681
+HK$3,138/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,086/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,287
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,317
−HK$2,064/mo
Today · 4.125%
HK$69,381
baseline
▲ 0.50% · 4.625%
HK$73,602
+HK$4,221/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,762/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,631
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,579
−HK$1,976/mo
Today · 4.125%
HK$76,555
baseline
▲ 0.50% · 4.625%
HK$80,590
+HK$4,035/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,110/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,485 · Scale 2, in force from 26 Feb 2026)