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$36,270
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,398
−HK$1,146/mo
Today · 4.125%
HK$38,544
baseline
▲ 0.50% · 4.625%
HK$40,889
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,088/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,350
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,432
−HK$1,098/mo
Today · 4.125%
HK$42,530
baseline
▲ 0.50% · 4.625%
HK$44,771
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,060/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,524
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,877
−HK$1,376/mo
Today · 4.125%
HK$46,253
baseline
▲ 0.50% · 4.625%
HK$49,067
+HK$2,814/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,506/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,420
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,718
−HK$1,318/mo
Today · 4.125%
HK$51,036
baseline
▲ 0.50% · 4.625%
HK$53,726
+HK$2,690/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,072/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,778
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,357
−HK$1,605/mo
Today · 4.125%
HK$53,962
baseline
▲ 0.50% · 4.625%
HK$57,245
+HK$3,283/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,924/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,490
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$58,005
−HK$1,536/mo
Today · 4.125%
HK$59,541
baseline
▲ 0.50% · 4.625%
HK$62,680
+HK$3,139/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,082/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,285
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,316
−HK$2,063/mo
Today · 4.125%
HK$69,379
baseline
▲ 0.50% · 4.625%
HK$73,601
+HK$4,222/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,758/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,629
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,577
−HK$1,976/mo
Today · 4.125%
HK$76,553
baseline
▲ 0.50% · 4.625%
HK$80,589
+HK$4,036/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,106/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,474 · Scale 2, in force from 26 Feb 2026)