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$36,296
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,425
−HK$1,147/mo
Today · 4.125%
HK$38,572
baseline
▲ 0.50% · 4.625%
HK$40,919
+HK$2,347/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,144/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$596,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,379
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,461
−HK$1,099/mo
Today · 4.125%
HK$42,560
baseline
▲ 0.50% · 4.625%
HK$44,803
+HK$2,243/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,120/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$596,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,555
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,910
−HK$1,376/mo
Today · 4.125%
HK$46,286
baseline
▲ 0.50% · 4.625%
HK$49,102
+HK$2,816/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,572/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,454
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,754
−HK$1,318/mo
Today · 4.125%
HK$51,072
baseline
▲ 0.50% · 4.625%
HK$53,764
+HK$2,692/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,144/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,814
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,394
−HK$1,606/mo
Today · 4.125%
HK$54,000
baseline
▲ 0.50% · 4.625%
HK$57,286
+HK$3,286/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$108,000/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,530
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,046
−HK$1,538/mo
Today · 4.125%
HK$59,584
baseline
▲ 0.50% · 4.625%
HK$62,725
+HK$3,141/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$119,168/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,332
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,364
−HK$2,065/mo
Today · 4.125%
HK$69,429
baseline
▲ 0.50% · 4.625%
HK$73,654
+HK$4,225/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,858/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,681
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,631
−HK$1,977/mo
Today · 4.125%
HK$76,608
baseline
▲ 0.50% · 4.625%
HK$80,646
+HK$4,038/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,216/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,901 · Scale 2, in force from 26 Feb 2026)