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$36,287
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,415
−HK$1,147/mo
Today · 4.125%
HK$38,562
baseline
▲ 0.50% · 4.625%
HK$40,909
+HK$2,347/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,124/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,369
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,451
−HK$1,099/mo
Today · 4.125%
HK$42,550
baseline
▲ 0.50% · 4.625%
HK$44,792
+HK$2,242/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,100/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,544
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,898
−HK$1,377/mo
Today · 4.125%
HK$46,275
baseline
▲ 0.50% · 4.625%
HK$49,090
+HK$2,815/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,550/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,442
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,741
−HK$1,318/mo
Today · 4.125%
HK$51,059
baseline
▲ 0.50% · 4.625%
HK$53,751
+HK$2,692/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,118/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,801
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,382
−HK$1,605/mo
Today · 4.125%
HK$53,987
baseline
▲ 0.50% · 4.625%
HK$57,272
+HK$3,285/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,974/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,516
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,032
−HK$1,537/mo
Today · 4.125%
HK$59,569
baseline
▲ 0.50% · 4.625%
HK$62,709
+HK$3,140/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,138/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,316
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,348
−HK$2,064/mo
Today · 4.125%
HK$69,412
baseline
▲ 0.50% · 4.625%
HK$73,635
+HK$4,223/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,824/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,663
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,612
−HK$1,977/mo
Today · 4.125%
HK$76,589
baseline
▲ 0.50% · 4.625%
HK$80,626
+HK$4,037/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,178/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,753 · Scale 2, in force from 26 Feb 2026)