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$36,258
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,386
−HK$1,146/mo
Today · 4.125%
HK$38,532
baseline
▲ 0.50% · 4.625%
HK$40,876
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,064/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,337
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,418
−HK$1,098/mo
Today · 4.125%
HK$42,516
baseline
▲ 0.50% · 4.625%
HK$44,757
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,032/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,510
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,863
−HK$1,375/mo
Today · 4.125%
HK$46,238
baseline
▲ 0.50% · 4.625%
HK$49,052
+HK$2,814/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,476/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,404
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,702
−HK$1,317/mo
Today · 4.125%
HK$51,019
baseline
▲ 0.50% · 4.625%
HK$53,708
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,038/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,761
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,340
−HK$1,604/mo
Today · 4.125%
HK$53,944
baseline
▲ 0.50% · 4.625%
HK$57,227
+HK$3,283/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,888/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,471
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,986
−HK$1,536/mo
Today · 4.125%
HK$59,522
baseline
▲ 0.50% · 4.625%
HK$62,660
+HK$3,138/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,044/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,264
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,294
−HK$2,063/mo
Today · 4.125%
HK$69,357
baseline
▲ 0.50% · 4.625%
HK$73,577
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,714/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,606
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,553
−HK$1,976/mo
Today · 4.125%
HK$76,529
baseline
▲ 0.50% · 4.625%
HK$80,563
+HK$4,034/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,058/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,282 · Scale 2, in force from 26 Feb 2026)