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$36,302
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,431
−HK$1,147/mo
Today · 4.125%
HK$38,578
baseline
▲ 0.50% · 4.625%
HK$40,926
+HK$2,348/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,156/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,386
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,469
−HK$1,098/mo
Today · 4.125%
HK$42,567
baseline
▲ 0.50% · 4.625%
HK$44,811
+HK$2,244/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,134/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,562
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,917
−HK$1,377/mo
Today · 4.125%
HK$46,294
baseline
▲ 0.50% · 4.625%
HK$49,111
+HK$2,817/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,588/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,463
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,762
−HK$1,319/mo
Today · 4.125%
HK$51,081
baseline
▲ 0.50% · 4.625%
HK$53,773
+HK$2,692/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,162/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,823
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,404
−HK$1,606/mo
Today · 4.125%
HK$54,010
baseline
▲ 0.50% · 4.625%
HK$57,296
+HK$3,286/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$108,020/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,540
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,056
−HK$1,538/mo
Today · 4.125%
HK$59,594
baseline
▲ 0.50% · 4.625%
HK$62,736
+HK$3,142/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$119,188/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,343
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,376
−HK$2,065/mo
Today · 4.125%
HK$69,441
baseline
▲ 0.50% · 4.625%
HK$73,666
+HK$4,225/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,882/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,694
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,644
−HK$1,977/mo
Today · 4.125%
HK$76,621
baseline
▲ 0.50% · 4.625%
HK$80,660
+HK$4,039/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,242/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,005 · Scale 2, in force from 26 Feb 2026)