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$36,250
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,378
−HK$1,146/mo
Today · 4.125%
HK$38,524
baseline
▲ 0.50% · 4.625%
HK$40,868
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,048/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,328
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,410
−HK$1,097/mo
Today · 4.125%
HK$42,507
baseline
▲ 0.50% · 4.625%
HK$44,748
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,014/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,500
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,854
−HK$1,374/mo
Today · 4.125%
HK$46,228
baseline
▲ 0.50% · 4.625%
HK$49,041
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,456/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,394
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,692
−HK$1,316/mo
Today · 4.125%
HK$51,008
baseline
▲ 0.50% · 4.625%
HK$53,697
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,016/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,751
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,329
−HK$1,604/mo
Today · 4.125%
HK$53,933
baseline
▲ 0.50% · 4.625%
HK$57,215
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,866/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,459
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,974
−HK$1,536/mo
Today · 4.125%
HK$59,510
baseline
▲ 0.50% · 4.625%
HK$62,647
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,020/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,251
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,280
−HK$2,062/mo
Today · 4.125%
HK$69,342
baseline
▲ 0.50% · 4.625%
HK$73,562
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,684/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,591
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,538
−HK$1,975/mo
Today · 4.125%
HK$76,513
baseline
▲ 0.50% · 4.625%
HK$80,546
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,026/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,157 · Scale 2, in force from 26 Feb 2026)