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$36,252
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,380
−HK$1,146/mo
Today · 4.125%
HK$38,526
baseline
▲ 0.50% · 4.625%
HK$40,870
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,052/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,330
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,412
−HK$1,097/mo
Today · 4.125%
HK$42,509
baseline
▲ 0.50% · 4.625%
HK$44,750
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,018/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,503
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,856
−HK$1,375/mo
Today · 4.125%
HK$46,231
baseline
▲ 0.50% · 4.625%
HK$49,044
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,462/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,397
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,695
−HK$1,316/mo
Today · 4.125%
HK$51,011
baseline
▲ 0.50% · 4.625%
HK$53,700
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,022/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,753
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,332
−HK$1,604/mo
Today · 4.125%
HK$53,936
baseline
▲ 0.50% · 4.625%
HK$57,218
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,872/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,463
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,977
−HK$1,536/mo
Today · 4.125%
HK$59,513
baseline
▲ 0.50% · 4.625%
HK$62,650
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,026/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,254
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,284
−HK$2,062/mo
Today · 4.125%
HK$69,346
baseline
▲ 0.50% · 4.625%
HK$73,566
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,692/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,595
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,542
−HK$1,975/mo
Today · 4.125%
HK$76,517
baseline
▲ 0.50% · 4.625%
HK$80,550
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,034/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,191 · Scale 2, in force from 26 Feb 2026)