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$36,280
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,409
−HK$1,146/mo
Today · 4.125%
HK$38,555
baseline
▲ 0.50% · 4.625%
HK$40,901
+HK$2,346/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,110/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,361
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,444
−HK$1,098/mo
Today · 4.125%
HK$42,542
baseline
▲ 0.50% · 4.625%
HK$44,784
+HK$2,242/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,084/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,536
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,891
−HK$1,375/mo
Today · 4.125%
HK$46,266
baseline
▲ 0.50% · 4.625%
HK$49,082
+HK$2,816/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$92,532/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,434
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,733
−HK$1,317/mo
Today · 4.125%
HK$51,050
baseline
▲ 0.50% · 4.625%
HK$53,741
+HK$2,691/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$102,100/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,792
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,372
−HK$1,605/mo
Today · 4.125%
HK$53,977
baseline
▲ 0.50% · 4.625%
HK$57,262
+HK$3,285/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,954/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,506
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,021
−HK$1,538/mo
Today · 4.125%
HK$59,559
baseline
▲ 0.50% · 4.625%
HK$62,698
+HK$3,139/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,118/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,304
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,336
−HK$2,064/mo
Today · 4.125%
HK$69,400
baseline
▲ 0.50% · 4.625%
HK$73,622
+HK$4,222/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,800/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,651
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,599
−HK$1,977/mo
Today · 4.125%
HK$76,576
baseline
▲ 0.50% · 4.625%
HK$80,612
+HK$4,036/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,152/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,648 · Scale 2, in force from 26 Feb 2026)