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$36,278
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,406
−HK$1,147/mo
Today · 4.125%
HK$38,553
baseline
▲ 0.50% · 4.625%
HK$40,899
+HK$2,346/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,106/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,359
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,441
−HK$1,098/mo
Today · 4.125%
HK$42,539
baseline
▲ 0.50% · 4.625%
HK$44,781
+HK$2,242/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,078/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,533
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,887
−HK$1,376/mo
Today · 4.125%
HK$46,263
baseline
▲ 0.50% · 4.625%
HK$49,078
+HK$2,815/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$92,526/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,430
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,729
−HK$1,318/mo
Today · 4.125%
HK$51,047
baseline
▲ 0.50% · 4.625%
HK$53,738
+HK$2,691/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$102,094/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,789
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,369
−HK$1,605/mo
Today · 4.125%
HK$53,974
baseline
▲ 0.50% · 4.625%
HK$57,258
+HK$3,284/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,948/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,502
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,017
−HK$1,538/mo
Today · 4.125%
HK$59,555
baseline
▲ 0.50% · 4.625%
HK$62,694
+HK$3,139/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,110/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,300
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,331
−HK$2,064/mo
Today · 4.125%
HK$69,395
baseline
▲ 0.50% · 4.625%
HK$73,617
+HK$4,222/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,790/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,646
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,594
−HK$1,976/mo
Today · 4.125%
HK$76,570
baseline
▲ 0.50% · 4.625%
HK$80,607
+HK$4,037/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,140/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,607 · Scale 2, in force from 26 Feb 2026)