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$36,255
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,382
−HK$1,146/mo
Today · 4.125%
HK$38,528
baseline
▲ 0.50% · 4.625%
HK$40,873
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,056/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,333
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,415
−HK$1,097/mo
Today · 4.125%
HK$42,512
baseline
▲ 0.50% · 4.625%
HK$44,753
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,024/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,506
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,859
−HK$1,375/mo
Today · 4.125%
HK$46,234
baseline
▲ 0.50% · 4.625%
HK$49,047
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,468/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,400
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,698
−HK$1,317/mo
Today · 4.125%
HK$51,015
baseline
▲ 0.50% · 4.625%
HK$53,704
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,030/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,757
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,335
−HK$1,605/mo
Today · 4.125%
HK$53,940
baseline
▲ 0.50% · 4.625%
HK$57,222
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,880/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,466
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,981
−HK$1,536/mo
Today · 4.125%
HK$59,517
baseline
▲ 0.50% · 4.625%
HK$62,654
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,034/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,259
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,288
−HK$2,063/mo
Today · 4.125%
HK$69,351
baseline
▲ 0.50% · 4.625%
HK$73,571
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,702/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,599
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,547
−HK$1,975/mo
Today · 4.125%
HK$76,522
baseline
▲ 0.50% · 4.625%
HK$80,555
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,044/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,228 · Scale 2, in force from 26 Feb 2026)