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$36,287
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,416
−HK$1,146/mo
Today · 4.125%
HK$38,562
baseline
▲ 0.50% · 4.625%
HK$40,909
+HK$2,347/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,124/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,369
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,452
−HK$1,098/mo
Today · 4.125%
HK$42,550
baseline
▲ 0.50% · 4.625%
HK$44,793
+HK$2,243/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,100/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,544
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,899
−HK$1,376/mo
Today · 4.125%
HK$46,275
baseline
▲ 0.50% · 4.625%
HK$49,091
+HK$2,816/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,550/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,443
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,742
−HK$1,318/mo
Today · 4.125%
HK$51,060
baseline
▲ 0.50% · 4.625%
HK$53,751
+HK$2,691/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,120/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,802
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,382
−HK$1,605/mo
Today · 4.125%
HK$53,987
baseline
▲ 0.50% · 4.625%
HK$57,272
+HK$3,285/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,974/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,516
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,032
−HK$1,538/mo
Today · 4.125%
HK$59,570
baseline
▲ 0.50% · 4.625%
HK$62,710
+HK$3,140/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,140/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,317
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,348
−HK$2,064/mo
Today · 4.125%
HK$69,412
baseline
▲ 0.50% · 4.625%
HK$73,636
+HK$4,224/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,824/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,664
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,613
−HK$1,977/mo
Today · 4.125%
HK$76,590
baseline
▲ 0.50% · 4.625%
HK$80,627
+HK$4,037/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,180/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,759 · Scale 2, in force from 26 Feb 2026)