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$36,320
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,450
−HK$1,148/mo
Today · 4.125%
HK$38,598
baseline
▲ 0.50% · 4.625%
HK$40,946
+HK$2,348/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,196/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,406
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,490
−HK$1,099/mo
Today · 4.125%
HK$42,589
baseline
▲ 0.50% · 4.625%
HK$44,834
+HK$2,245/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,178/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,584
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,940
−HK$1,377/mo
Today · 4.125%
HK$46,317
baseline
▲ 0.50% · 4.625%
HK$49,136
+HK$2,819/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,634/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,487
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,788
−HK$1,319/mo
Today · 4.125%
HK$51,107
baseline
▲ 0.50% · 4.625%
HK$53,801
+HK$2,694/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,214/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,848
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,430
−HK$1,607/mo
Today · 4.125%
HK$54,037
baseline
▲ 0.50% · 4.625%
HK$57,325
+HK$3,288/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,074/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,568
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,085
−HK$1,540/mo
Today · 4.125%
HK$59,625
baseline
▲ 0.50% · 4.625%
HK$62,767
+HK$3,142/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,250/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,377
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,410
−HK$2,066/mo
Today · 4.125%
HK$69,476
baseline
▲ 0.50% · 4.625%
HK$73,704
+HK$4,228/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$138,952/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,731
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,681
−HK$1,979/mo
Today · 4.125%
HK$76,660
baseline
▲ 0.50% · 4.625%
HK$80,701
+HK$4,041/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,320/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,306 · Scale 2, in force from 26 Feb 2026)