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$36,254
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,382
−HK$1,145/mo
Today · 4.125%
HK$38,527
baseline
▲ 0.50% · 4.625%
HK$40,872
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,054/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,332
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,414
−HK$1,097/mo
Today · 4.125%
HK$42,511
baseline
▲ 0.50% · 4.625%
HK$44,752
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,022/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,505
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,858
−HK$1,375/mo
Today · 4.125%
HK$46,233
baseline
▲ 0.50% · 4.625%
HK$49,046
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,466/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,399
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,697
−HK$1,316/mo
Today · 4.125%
HK$51,013
baseline
▲ 0.50% · 4.625%
HK$53,702
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,026/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,756
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,334
−HK$1,604/mo
Today · 4.125%
HK$53,938
baseline
▲ 0.50% · 4.625%
HK$57,220
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,876/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,465
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,979
−HK$1,537/mo
Today · 4.125%
HK$59,516
baseline
▲ 0.50% · 4.625%
HK$62,653
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,032/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,257
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,287
−HK$2,062/mo
Today · 4.125%
HK$69,349
baseline
▲ 0.50% · 4.625%
HK$73,569
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,698/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,598
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,545
−HK$1,975/mo
Today · 4.125%
HK$76,520
baseline
▲ 0.50% · 4.625%
HK$80,554
+HK$4,034/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,040/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,216 · Scale 2, in force from 26 Feb 2026)