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$36,234
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,361
−HK$1,145/mo
Today · 4.125%
HK$38,506
baseline
▲ 0.50% · 4.625%
HK$40,849
+HK$2,343/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,012/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,309
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,391
−HK$1,096/mo
Today · 4.125%
HK$42,487
baseline
▲ 0.50% · 4.625%
HK$44,727
+HK$2,240/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$84,974/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,480
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,833
−HK$1,374/mo
Today · 4.125%
HK$46,207
baseline
▲ 0.50% · 4.625%
HK$49,018
+HK$2,811/mo
Deposit HK$6.36M · loan HK$9.53M · min. income ≈ HK$92,414/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,371
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,669
−HK$1,316/mo
Today · 4.125%
HK$50,985
baseline
▲ 0.50% · 4.625%
HK$53,672
+HK$2,687/mo
Deposit HK$6.36M · loan HK$9.53M · min. income ≈ HK$101,970/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,727
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,305
−HK$1,603/mo
Today · 4.125%
HK$53,908
baseline
▲ 0.50% · 4.625%
HK$57,188
+HK$3,280/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,816/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,433
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,947
−HK$1,535/mo
Today · 4.125%
HK$59,482
baseline
▲ 0.50% · 4.625%
HK$62,618
+HK$3,136/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,964/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,220
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,249
−HK$2,061/mo
Today · 4.125%
HK$69,310
baseline
▲ 0.50% · 4.625%
HK$73,528
+HK$4,218/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,620/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,557
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,503
−HK$1,974/mo
Today · 4.125%
HK$76,477
baseline
▲ 0.50% · 4.625%
HK$80,508
+HK$4,031/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,954/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,880 · Scale 2, in force from 26 Feb 2026)