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$37,374
−HK$1,145/mo
Today · 4.125%
HK$38,519
baseline
▲ 0.50% · 4.625%
HK$40,863
+HK$2,344/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$596,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,324
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,405
−HK$1,097/mo
Today · 4.125%
HK$42,502
baseline
▲ 0.50% · 4.625%
HK$44,743
+HK$2,241/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$596,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,496
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,849
−HK$1,374/mo
Today · 4.125%
HK$46,223
baseline
▲ 0.50% · 4.625%
HK$49,036
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,446/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,389
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,686
−HK$1,317/mo
Today · 4.125%
HK$51,003
baseline
▲ 0.50% · 4.625%
HK$53,691
+HK$2,688/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,006/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,745
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,324
−HK$1,603/mo
Today · 4.125%
HK$53,927
baseline
▲ 0.50% · 4.625%
HK$57,209
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,854/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,453
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,967
−HK$1,536/mo
Today · 4.125%
HK$59,503
baseline
▲ 0.50% · 4.625%
HK$62,640
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,006/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,244
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,273
−HK$2,062/mo
Today · 4.125%
HK$69,335
baseline
▲ 0.50% · 4.625%
HK$73,554
+HK$4,219/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,670/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,583
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,530
−HK$1,974/mo
Today · 4.125%
HK$76,504
baseline
▲ 0.50% · 4.625%
HK$80,537
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,008/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,093 · Scale 2, in force from 26 Feb 2026)