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$2,275/mo
▼ 0.25% · 3.875%
HK$37,412
−HK$1,147/mo
Today · 4.125%
HK$38,559
baseline
▲ 0.50% · 4.625%
HK$40,905
+HK$2,346/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,118/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,365
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,448
−HK$1,098/mo
Today · 4.125%
HK$42,546
baseline
▲ 0.50% · 4.625%
HK$44,789
+HK$2,243/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,092/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,541
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,895
−HK$1,376/mo
Today · 4.125%
HK$46,271
baseline
▲ 0.50% · 4.625%
HK$49,086
+HK$2,815/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$92,542/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,438
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,737
−HK$1,318/mo
Today · 4.125%
HK$51,055
baseline
▲ 0.50% · 4.625%
HK$53,747
+HK$2,692/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$102,110/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,797
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,377
−HK$1,606/mo
Today · 4.125%
HK$53,983
baseline
▲ 0.50% · 4.625%
HK$57,267
+HK$3,284/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,966/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,511
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,027
−HK$1,538/mo
Today · 4.125%
HK$59,565
baseline
▲ 0.50% · 4.625%
HK$62,704
+HK$3,139/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$596,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,311
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,342
−HK$2,064/mo
Today · 4.125%
HK$69,406
baseline
▲ 0.50% · 4.625%
HK$73,630
+HK$4,224/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,812/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,658
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,606
−HK$1,977/mo
Today · 4.125%
HK$76,583
baseline
▲ 0.50% · 4.625%
HK$80,620
+HK$4,037/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,166/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,706 · Scale 2, in force from 26 Feb 2026)