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$36,302
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,432
−HK$1,147/mo
Today · 4.125%
HK$38,579
baseline
▲ 0.50% · 4.625%
HK$40,926
+HK$2,347/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,158/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,386
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,469
−HK$1,099/mo
Today · 4.125%
HK$42,568
baseline
▲ 0.50% · 4.625%
HK$44,812
+HK$2,244/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,136/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,563
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,918
−HK$1,377/mo
Today · 4.125%
HK$46,295
baseline
▲ 0.50% · 4.625%
HK$49,111
+HK$2,816/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,590/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,463
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,763
−HK$1,318/mo
Today · 4.125%
HK$51,081
baseline
▲ 0.50% · 4.625%
HK$53,774
+HK$2,693/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,162/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,823
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,404
−HK$1,606/mo
Today · 4.125%
HK$54,010
baseline
▲ 0.50% · 4.625%
HK$57,297
+HK$3,287/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$108,020/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,540
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,057
−HK$1,538/mo
Today · 4.125%
HK$59,595
baseline
▲ 0.50% · 4.625%
HK$62,736
+HK$3,141/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$119,190/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,344
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,377
−HK$2,065/mo
Today · 4.125%
HK$69,442
baseline
▲ 0.50% · 4.625%
HK$73,667
+HK$4,225/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,884/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,695
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,644
−HK$1,978/mo
Today · 4.125%
HK$76,622
baseline
▲ 0.50% · 4.625%
HK$80,661
+HK$4,039/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,244/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,011 · Scale 2, in force from 26 Feb 2026)