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$36,282
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,411
−HK$1,147/mo
Today · 4.125%
HK$38,558
baseline
▲ 0.50% · 4.625%
HK$40,904
+HK$2,346/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,116/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,364
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,446
−HK$1,099/mo
Today · 4.125%
HK$42,545
baseline
▲ 0.50% · 4.625%
HK$44,787
+HK$2,242/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,090/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,539
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,893
−HK$1,376/mo
Today · 4.125%
HK$46,269
baseline
▲ 0.50% · 4.625%
HK$49,085
+HK$2,816/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$92,538/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,437
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,736
−HK$1,317/mo
Today · 4.125%
HK$51,053
baseline
▲ 0.50% · 4.625%
HK$53,745
+HK$2,692/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$102,106/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,795
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,375
−HK$1,606/mo
Today · 4.125%
HK$53,981
baseline
▲ 0.50% · 4.625%
HK$57,265
+HK$3,284/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,962/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,509
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,025
−HK$1,537/mo
Today · 4.125%
HK$59,562
baseline
▲ 0.50% · 4.625%
HK$62,702
+HK$3,140/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,124/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,308
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,340
−HK$2,064/mo
Today · 4.125%
HK$69,404
baseline
▲ 0.50% · 4.625%
HK$73,627
+HK$4,223/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,808/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,655
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,603
−HK$1,977/mo
Today · 4.125%
HK$76,580
baseline
▲ 0.50% · 4.625%
HK$80,617
+HK$4,037/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,160/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,684 · Scale 2, in force from 26 Feb 2026)