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$36,246
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,373
−HK$1,146/mo
Today · 4.125%
HK$38,519
baseline
▲ 0.50% · 4.625%
HK$40,862
+HK$2,343/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,038/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,323
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,405
−HK$1,097/mo
Today · 4.125%
HK$42,502
baseline
▲ 0.50% · 4.625%
HK$44,742
+HK$2,240/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,004/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,495
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,848
−HK$1,374/mo
Today · 4.125%
HK$46,222
baseline
▲ 0.50% · 4.625%
HK$49,035
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,444/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,388
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,685
−HK$1,317/mo
Today · 4.125%
HK$51,002
baseline
▲ 0.50% · 4.625%
HK$53,690
+HK$2,688/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,004/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,744
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,323
−HK$1,603/mo
Today · 4.125%
HK$53,926
baseline
▲ 0.50% · 4.625%
HK$57,207
+HK$3,281/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,852/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,452
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,966
−HK$1,536/mo
Today · 4.125%
HK$59,502
baseline
▲ 0.50% · 4.625%
HK$62,639
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,004/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,242
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,272
−HK$2,062/mo
Today · 4.125%
HK$69,334
baseline
▲ 0.50% · 4.625%
HK$73,552
+HK$4,218/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,668/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,582
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,528
−HK$1,975/mo
Today · 4.125%
HK$76,503
baseline
▲ 0.50% · 4.625%
HK$80,535
+HK$4,032/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,006/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,081 · Scale 2, in force from 26 Feb 2026)