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$36,294
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,423
−HK$1,147/mo
Today · 4.125%
HK$38,570
baseline
▲ 0.50% · 4.625%
HK$40,917
+HK$2,347/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,140/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$596,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,377
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,460
−HK$1,098/mo
Today · 4.125%
HK$42,558
baseline
▲ 0.50% · 4.625%
HK$44,802
+HK$2,244/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,116/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$596,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,553
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,908
−HK$1,376/mo
Today · 4.125%
HK$46,284
baseline
▲ 0.50% · 4.625%
HK$49,100
+HK$2,816/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,568/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,452
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,752
−HK$1,318/mo
Today · 4.125%
HK$51,070
baseline
▲ 0.50% · 4.625%
HK$53,762
+HK$2,692/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,140/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,812
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,392
−HK$1,606/mo
Today · 4.125%
HK$53,998
baseline
▲ 0.50% · 4.625%
HK$57,284
+HK$3,286/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$107,996/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,528
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,044
−HK$1,538/mo
Today · 4.125%
HK$59,582
baseline
▲ 0.50% · 4.625%
HK$62,722
+HK$3,140/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$119,164/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,329
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,362
−HK$2,064/mo
Today · 4.125%
HK$69,426
baseline
▲ 0.50% · 4.625%
HK$73,651
+HK$4,225/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,852/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,678
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,628
−HK$1,977/mo
Today · 4.125%
HK$76,605
baseline
▲ 0.50% · 4.625%
HK$80,643
+HK$4,038/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,210/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,877 · Scale 2, in force from 26 Feb 2026)