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$36,275
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,404
−HK$1,146/mo
Today · 4.125%
HK$38,550
baseline
▲ 0.50% · 4.625%
HK$40,896
+HK$2,346/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,100/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,356
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,438
−HK$1,098/mo
Today · 4.125%
HK$42,536
baseline
▲ 0.50% · 4.625%
HK$44,779
+HK$2,243/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,072/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,531
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,885
−HK$1,375/mo
Today · 4.125%
HK$46,260
baseline
▲ 0.50% · 4.625%
HK$49,075
+HK$2,815/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$92,520/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,427
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,726
−HK$1,318/mo
Today · 4.125%
HK$51,044
baseline
▲ 0.50% · 4.625%
HK$53,734
+HK$2,690/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$102,088/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,786
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,365
−HK$1,605/mo
Today · 4.125%
HK$53,970
baseline
▲ 0.50% · 4.625%
HK$57,254
+HK$3,284/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,940/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,499
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,014
−HK$1,537/mo
Today · 4.125%
HK$59,551
baseline
▲ 0.50% · 4.625%
HK$62,690
+HK$3,139/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,102/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,296
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,327
−HK$2,064/mo
Today · 4.125%
HK$69,391
baseline
▲ 0.50% · 4.625%
HK$73,613
+HK$4,222/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,782/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,641
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,589
−HK$1,977/mo
Today · 4.125%
HK$76,566
baseline
▲ 0.50% · 4.625%
HK$80,601
+HK$4,035/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,132/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,570 · Scale 2, in force from 26 Feb 2026)