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$36,242
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,370
−HK$1,145/mo
Today · 4.125%
HK$38,515
baseline
▲ 0.50% · 4.625%
HK$40,859
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,030/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,319
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,401
−HK$1,097/mo
Today · 4.125%
HK$42,498
baseline
▲ 0.50% · 4.625%
HK$44,738
+HK$2,240/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$84,996/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,491
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,844
−HK$1,374/mo
Today · 4.125%
HK$46,218
baseline
▲ 0.50% · 4.625%
HK$49,030
+HK$2,812/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,436/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,383
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,681
−HK$1,316/mo
Today · 4.125%
HK$50,997
baseline
▲ 0.50% · 4.625%
HK$53,685
+HK$2,688/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$101,994/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,739
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,318
−HK$1,603/mo
Today · 4.125%
HK$53,921
baseline
▲ 0.50% · 4.625%
HK$57,202
+HK$3,281/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,842/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,447
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,961
−HK$1,536/mo
Today · 4.125%
HK$59,497
baseline
▲ 0.50% · 4.625%
HK$62,633
+HK$3,136/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$118,994/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,236
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,266
−HK$2,061/mo
Today · 4.125%
HK$69,327
baseline
▲ 0.50% · 4.625%
HK$73,546
+HK$4,219/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,654/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,575
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,521
−HK$1,975/mo
Today · 4.125%
HK$76,496
baseline
▲ 0.50% · 4.625%
HK$80,528
+HK$4,032/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,992/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,027 · Scale 2, in force from 26 Feb 2026)