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$36,304
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,433
−HK$1,147/mo
Today · 4.125%
HK$38,580
baseline
▲ 0.50% · 4.625%
HK$40,928
+HK$2,348/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,160/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,387
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,470
−HK$1,099/mo
Today · 4.125%
HK$42,569
baseline
▲ 0.50% · 4.625%
HK$44,813
+HK$2,244/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,138/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,564
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,919
−HK$1,377/mo
Today · 4.125%
HK$46,296
baseline
▲ 0.50% · 4.625%
HK$49,113
+HK$2,817/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,592/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,465
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,765
−HK$1,318/mo
Today · 4.125%
HK$51,083
baseline
▲ 0.50% · 4.625%
HK$53,776
+HK$2,693/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,166/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,825
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,406
−HK$1,606/mo
Today · 4.125%
HK$54,012
baseline
▲ 0.50% · 4.625%
HK$57,299
+HK$3,287/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$108,024/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,542
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,059
−HK$1,538/mo
Today · 4.125%
HK$59,597
baseline
▲ 0.50% · 4.625%
HK$62,738
+HK$3,141/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$119,194/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,346
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,379
−HK$2,065/mo
Today · 4.125%
HK$69,444
baseline
▲ 0.50% · 4.625%
HK$73,670
+HK$4,226/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,888/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,697
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,647
−HK$1,978/mo
Today · 4.125%
HK$76,625
baseline
▲ 0.50% · 4.625%
HK$80,664
+HK$4,039/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,250/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,031 · Scale 2, in force from 26 Feb 2026)