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$2,273/mo
▼ 0.25% · 3.875%
HK$37,377
−HK$1,146/mo
Today · 4.125%
HK$38,523
baseline
▲ 0.50% · 4.625%
HK$40,867
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,046/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,144 · 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$44,747
+HK$2,241/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$596,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,500
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,853
−HK$1,374/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$6.96M (deposit + AVD stamp duty HK$596,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,393
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,691
−HK$1,316/mo
Today · 4.125%
HK$51,007
baseline
▲ 0.50% · 4.625%
HK$53,696
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,014/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,749
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,328
−HK$1,604/mo
Today · 4.125%
HK$53,932
baseline
▲ 0.50% · 4.625%
HK$57,214
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,864/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,458
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,972
−HK$1,537/mo
Today · 4.125%
HK$59,509
baseline
▲ 0.50% · 4.625%
HK$62,645
+HK$3,136/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,018/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,249
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,279
−HK$2,062/mo
Today · 4.125%
HK$69,341
baseline
▲ 0.50% · 4.625%
HK$73,560
+HK$4,219/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,682/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,589
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,536
−HK$1,975/mo
Today · 4.125%
HK$76,511
baseline
▲ 0.50% · 4.625%
HK$80,544
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,022/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,144 · Scale 2, in force from 26 Feb 2026)