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$36,281
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,409
−HK$1,147/mo
Today · 4.125%
HK$38,556
baseline
▲ 0.50% · 4.625%
HK$40,902
+HK$2,346/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,112/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,362
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,444
−HK$1,098/mo
Today · 4.125%
HK$42,542
baseline
▲ 0.50% · 4.625%
HK$44,785
+HK$2,243/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,084/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,537
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,891
−HK$1,376/mo
Today · 4.125%
HK$46,267
baseline
▲ 0.50% · 4.625%
HK$49,082
+HK$2,815/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$92,534/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,434
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,733
−HK$1,318/mo
Today · 4.125%
HK$51,051
baseline
▲ 0.50% · 4.625%
HK$53,742
+HK$2,691/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$102,102/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,793
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,373
−HK$1,605/mo
Today · 4.125%
HK$53,978
baseline
▲ 0.50% · 4.625%
HK$57,262
+HK$3,284/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,956/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,507
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,022
−HK$1,537/mo
Today · 4.125%
HK$59,559
baseline
▲ 0.50% · 4.625%
HK$62,699
+HK$3,140/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,118/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,305
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,336
−HK$2,064/mo
Today · 4.125%
HK$69,400
baseline
▲ 0.50% · 4.625%
HK$73,623
+HK$4,223/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,800/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,651
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,600
−HK$1,976/mo
Today · 4.125%
HK$76,576
baseline
▲ 0.50% · 4.625%
HK$80,613
+HK$4,037/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,152/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,654 · Scale 2, in force from 26 Feb 2026)