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$36,284
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,413
−HK$1,147/mo
Today · 4.125%
HK$38,560
baseline
▲ 0.50% · 4.625%
HK$40,906
+HK$2,346/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,120/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,366
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,449
−HK$1,098/mo
Today · 4.125%
HK$42,547
baseline
▲ 0.50% · 4.625%
HK$44,789
+HK$2,242/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,094/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,541
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,896
−HK$1,376/mo
Today · 4.125%
HK$46,272
baseline
▲ 0.50% · 4.625%
HK$49,087
+HK$2,815/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$92,544/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,439
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,738
−HK$1,318/mo
Today · 4.125%
HK$51,056
baseline
▲ 0.50% · 4.625%
HK$53,747
+HK$2,691/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$102,112/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,798
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,378
−HK$1,606/mo
Today · 4.125%
HK$53,984
baseline
▲ 0.50% · 4.625%
HK$57,268
+HK$3,284/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,968/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,512
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,028
−HK$1,537/mo
Today · 4.125%
HK$59,565
baseline
▲ 0.50% · 4.625%
HK$62,705
+HK$3,140/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,130/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,312
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,343
−HK$2,064/mo
Today · 4.125%
HK$69,407
baseline
▲ 0.50% · 4.625%
HK$73,631
+HK$4,224/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,814/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,659
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,607
−HK$1,977/mo
Today · 4.125%
HK$76,584
baseline
▲ 0.50% · 4.625%
HK$80,621
+HK$4,037/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,168/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,715 · Scale 2, in force from 26 Feb 2026)