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$36,286
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,414
−HK$1,147/mo
Today · 4.125%
HK$38,561
baseline
▲ 0.50% · 4.625%
HK$40,907
+HK$2,346/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,122/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,367
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,450
−HK$1,098/mo
Today · 4.125%
HK$42,548
baseline
▲ 0.50% · 4.625%
HK$44,791
+HK$2,243/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,096/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,543
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,897
−HK$1,376/mo
Today · 4.125%
HK$46,273
baseline
▲ 0.50% · 4.625%
HK$49,089
+HK$2,816/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,546/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,441
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,740
−HK$1,318/mo
Today · 4.125%
HK$51,058
baseline
▲ 0.50% · 4.625%
HK$53,749
+HK$2,691/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,116/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,800
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,380
−HK$1,605/mo
Today · 4.125%
HK$53,985
baseline
▲ 0.50% · 4.625%
HK$57,270
+HK$3,285/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,970/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,514
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,030
−HK$1,537/mo
Today · 4.125%
HK$59,567
baseline
▲ 0.50% · 4.625%
HK$62,707
+HK$3,140/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,134/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,314
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,346
−HK$2,064/mo
Today · 4.125%
HK$69,410
baseline
▲ 0.50% · 4.625%
HK$73,633
+HK$4,223/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,820/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,661
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,610
−HK$1,977/mo
Today · 4.125%
HK$76,587
baseline
▲ 0.50% · 4.625%
HK$80,624
+HK$4,037/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,174/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,734 · Scale 2, in force from 26 Feb 2026)