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$36,313
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,442
−HK$1,148/mo
Today · 4.125%
HK$38,590
baseline
▲ 0.50% · 4.625%
HK$40,938
+HK$2,348/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,180/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,398
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,481
−HK$1,099/mo
Today · 4.125%
HK$42,580
baseline
▲ 0.50% · 4.625%
HK$44,825
+HK$2,245/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,160/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,576
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,931
−HK$1,377/mo
Today · 4.125%
HK$46,308
baseline
▲ 0.50% · 4.625%
HK$49,126
+HK$2,818/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,616/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,477
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,777
−HK$1,319/mo
Today · 4.125%
HK$51,096
baseline
▲ 0.50% · 4.625%
HK$53,790
+HK$2,694/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,192/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,838
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,419
−HK$1,607/mo
Today · 4.125%
HK$54,026
baseline
▲ 0.50% · 4.625%
HK$57,313
+HK$3,287/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,052/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,557
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,074
−HK$1,538/mo
Today · 4.125%
HK$59,612
baseline
▲ 0.50% · 4.625%
HK$62,755
+HK$3,143/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,224/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,363
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,396
−HK$2,066/mo
Today · 4.125%
HK$69,462
baseline
▲ 0.50% · 4.625%
HK$73,689
+HK$4,227/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,924/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,716
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,666
−HK$1,979/mo
Today · 4.125%
HK$76,645
baseline
▲ 0.50% · 4.625%
HK$80,685
+HK$4,040/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,290/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,185 · Scale 2, in force from 26 Feb 2026)