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$36,301
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,431
−HK$1,147/mo
Today · 4.125%
HK$38,578
baseline
▲ 0.50% · 4.625%
HK$40,925
+HK$2,347/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,156/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$596,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,385
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,468
−HK$1,099/mo
Today · 4.125%
HK$42,567
baseline
▲ 0.50% · 4.625%
HK$44,811
+HK$2,244/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,134/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$596,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,562
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,917
−HK$1,376/mo
Today · 4.125%
HK$46,293
baseline
▲ 0.50% · 4.625%
HK$49,110
+HK$2,817/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,586/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,462
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,762
−HK$1,318/mo
Today · 4.125%
HK$51,080
baseline
▲ 0.50% · 4.625%
HK$53,773
+HK$2,693/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,160/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,822
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,403
−HK$1,606/mo
Today · 4.125%
HK$54,009
baseline
▲ 0.50% · 4.625%
HK$57,295
+HK$3,286/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$108,018/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,539
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,055
−HK$1,539/mo
Today · 4.125%
HK$59,594
baseline
▲ 0.50% · 4.625%
HK$62,735
+HK$3,141/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$119,188/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,342
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,375
−HK$2,065/mo
Today · 4.125%
HK$69,440
baseline
▲ 0.50% · 4.625%
HK$73,665
+HK$4,225/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,880/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,693
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,642
−HK$1,978/mo
Today · 4.125%
HK$76,620
baseline
▲ 0.50% · 4.625%
HK$80,659
+HK$4,039/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,240/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,995 · Scale 2, in force from 26 Feb 2026)