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$36,247
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,375
−HK$1,145/mo
Today · 4.125%
HK$38,520
baseline
▲ 0.50% · 4.625%
HK$40,864
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,040/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,325
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,406
−HK$1,097/mo
Today · 4.125%
HK$42,503
baseline
▲ 0.50% · 4.625%
HK$44,744
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,006/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,496
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,849
−HK$1,375/mo
Today · 4.125%
HK$46,224
baseline
▲ 0.50% · 4.625%
HK$49,037
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,448/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,389
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,687
−HK$1,317/mo
Today · 4.125%
HK$51,004
baseline
▲ 0.50% · 4.625%
HK$53,692
+HK$2,688/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,008/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,746
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,324
−HK$1,604/mo
Today · 4.125%
HK$53,928
baseline
▲ 0.50% · 4.625%
HK$57,210
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,856/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,454
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,968
−HK$1,536/mo
Today · 4.125%
HK$59,504
baseline
▲ 0.50% · 4.625%
HK$62,641
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,008/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,245
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,274
−HK$2,062/mo
Today · 4.125%
HK$69,336
baseline
▲ 0.50% · 4.625%
HK$73,555
+HK$4,219/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,672/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,584
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,531
−HK$1,975/mo
Today · 4.125%
HK$76,506
baseline
▲ 0.50% · 4.625%
HK$80,538
+HK$4,032/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,012/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,102 · Scale 2, in force from 26 Feb 2026)