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$36,237
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,364
−HK$1,146/mo
Today · 4.125%
HK$38,510
baseline
▲ 0.50% · 4.625%
HK$40,853
+HK$2,343/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,020/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,314
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,395
−HK$1,097/mo
Today · 4.125%
HK$42,492
baseline
▲ 0.50% · 4.625%
HK$44,731
+HK$2,239/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$84,984/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,485
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,837
−HK$1,375/mo
Today · 4.125%
HK$46,212
baseline
▲ 0.50% · 4.625%
HK$49,023
+HK$2,811/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,424/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,376
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,674
−HK$1,316/mo
Today · 4.125%
HK$50,990
baseline
▲ 0.50% · 4.625%
HK$53,678
+HK$2,688/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$101,980/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,732
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,310
−HK$1,604/mo
Today · 4.125%
HK$53,914
baseline
▲ 0.50% · 4.625%
HK$57,194
+HK$3,280/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,828/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,439
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,953
−HK$1,535/mo
Today · 4.125%
HK$59,488
baseline
▲ 0.50% · 4.625%
HK$62,624
+HK$3,136/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,976/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,227
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,256
−HK$2,061/mo
Today · 4.125%
HK$69,317
baseline
▲ 0.50% · 4.625%
HK$73,535
+HK$4,218/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,634/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$595,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,564
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,511
−HK$1,974/mo
Today · 4.125%
HK$76,485
baseline
▲ 0.50% · 4.625%
HK$80,517
+HK$4,032/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,970/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$595,941 · Scale 2, in force from 26 Feb 2026)