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$36,273
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,401
−HK$1,147/mo
Today · 4.125%
HK$38,548
baseline
▲ 0.50% · 4.625%
HK$40,893
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,096/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,353
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,436
−HK$1,098/mo
Today · 4.125%
HK$42,534
baseline
▲ 0.50% · 4.625%
HK$44,776
+HK$2,242/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,068/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,528
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,882
−HK$1,375/mo
Today · 4.125%
HK$46,257
baseline
▲ 0.50% · 4.625%
HK$49,072
+HK$2,815/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,514/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,424
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,723
−HK$1,317/mo
Today · 4.125%
HK$51,040
baseline
▲ 0.50% · 4.625%
HK$53,731
+HK$2,691/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,080/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,782
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,362
−HK$1,605/mo
Today · 4.125%
HK$53,967
baseline
▲ 0.50% · 4.625%
HK$57,250
+HK$3,283/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,934/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,495
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,010
−HK$1,537/mo
Today · 4.125%
HK$59,547
baseline
▲ 0.50% · 4.625%
HK$62,686
+HK$3,139/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,094/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,291
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,322
−HK$2,064/mo
Today · 4.125%
HK$69,386
baseline
▲ 0.50% · 4.625%
HK$73,608
+HK$4,222/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,772/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,636
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,584
−HK$1,976/mo
Today · 4.125%
HK$76,560
baseline
▲ 0.50% · 4.625%
HK$80,596
+HK$4,036/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,120/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,529 · Scale 2, in force from 26 Feb 2026)