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$36,266
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,394
−HK$1,146/mo
Today · 4.125%
HK$38,540
baseline
▲ 0.50% · 4.625%
HK$40,886
+HK$2,346/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,080/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,346
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,428
−HK$1,098/mo
Today · 4.125%
HK$42,526
baseline
▲ 0.50% · 4.625%
HK$44,767
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,052/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,520
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,873
−HK$1,376/mo
Today · 4.125%
HK$46,249
baseline
▲ 0.50% · 4.625%
HK$49,063
+HK$2,814/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,498/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,415
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,713
−HK$1,318/mo
Today · 4.125%
HK$51,031
baseline
▲ 0.50% · 4.625%
HK$53,721
+HK$2,690/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,062/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,773
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,352
−HK$1,605/mo
Today · 4.125%
HK$53,957
baseline
▲ 0.50% · 4.625%
HK$57,240
+HK$3,283/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,914/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,484
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$57,999
−HK$1,537/mo
Today · 4.125%
HK$59,536
baseline
▲ 0.50% · 4.625%
HK$62,674
+HK$3,138/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,072/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,279
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,310
−HK$2,063/mo
Today · 4.125%
HK$69,373
baseline
▲ 0.50% · 4.625%
HK$73,594
+HK$4,221/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,746/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,623
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,570
−HK$1,976/mo
Today · 4.125%
HK$76,546
baseline
▲ 0.50% · 4.625%
HK$80,581
+HK$4,035/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,092/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,418 · Scale 2, in force from 26 Feb 2026)