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$40,885
+HK$2,345/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$596,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,345
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,427
−HK$1,098/mo
Today · 4.125%
HK$42,525
baseline
▲ 0.50% · 4.625%
HK$44,767
+HK$2,242/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,050/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,519
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,873
−HK$1,375/mo
Today · 4.125%
HK$46,248
baseline
▲ 0.50% · 4.625%
HK$49,062
+HK$2,814/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,496/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,414
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,713
−HK$1,317/mo
Today · 4.125%
HK$51,030
baseline
▲ 0.50% · 4.625%
HK$53,720
+HK$2,690/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,060/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,772
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,351
−HK$1,605/mo
Today · 4.125%
HK$53,956
baseline
▲ 0.50% · 4.625%
HK$57,239
+HK$3,283/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,912/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,483
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$57,998
−HK$1,537/mo
Today · 4.125%
HK$59,535
baseline
▲ 0.50% · 4.625%
HK$62,673
+HK$3,138/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,070/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,278
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,309
−HK$2,063/mo
Today · 4.125%
HK$69,372
baseline
▲ 0.50% · 4.625%
HK$73,593
+HK$4,221/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,744/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,621
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,569
−HK$1,976/mo
Today · 4.125%
HK$76,545
baseline
▲ 0.50% · 4.625%
HK$80,580
+HK$4,035/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,090/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,409 · Scale 2, in force from 26 Feb 2026)