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$36,241
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,368
−HK$1,145/mo
Today · 4.125%
HK$38,513
baseline
▲ 0.50% · 4.625%
HK$40,857
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,026/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,318
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,399
−HK$1,097/mo
Today · 4.125%
HK$42,496
baseline
▲ 0.50% · 4.625%
HK$44,736
+HK$2,240/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$84,992/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,489
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,842
−HK$1,374/mo
Today · 4.125%
HK$46,216
baseline
▲ 0.50% · 4.625%
HK$49,028
+HK$2,812/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,432/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,381
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,679
−HK$1,316/mo
Today · 4.125%
HK$50,995
baseline
▲ 0.50% · 4.625%
HK$53,683
+HK$2,688/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$101,990/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,737
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,315
−HK$1,604/mo
Today · 4.125%
HK$53,919
baseline
▲ 0.50% · 4.625%
HK$57,200
+HK$3,281/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,838/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,445
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,958
−HK$1,536/mo
Today · 4.125%
HK$59,494
baseline
▲ 0.50% · 4.625%
HK$62,630
+HK$3,136/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$118,988/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,234
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,263
−HK$2,061/mo
Today · 4.125%
HK$69,324
baseline
▲ 0.50% · 4.625%
HK$73,542
+HK$4,218/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,648/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,572
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,518
−HK$1,974/mo
Today · 4.125%
HK$76,492
baseline
▲ 0.50% · 4.625%
HK$80,524
+HK$4,032/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,984/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,000 · Scale 2, in force from 26 Feb 2026)