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$36,293
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,422
−HK$1,147/mo
Today · 4.125%
HK$38,569
baseline
▲ 0.50% · 4.625%
HK$40,915
+HK$2,346/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,138/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,375
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,458
−HK$1,099/mo
Today · 4.125%
HK$42,557
baseline
▲ 0.50% · 4.625%
HK$44,800
+HK$2,243/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,114/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,551
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,906
−HK$1,376/mo
Today · 4.125%
HK$46,282
baseline
▲ 0.50% · 4.625%
HK$49,098
+HK$2,816/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,564/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,450
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,750
−HK$1,318/mo
Today · 4.125%
HK$51,068
baseline
▲ 0.50% · 4.625%
HK$53,760
+HK$2,692/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,136/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,810
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,390
−HK$1,606/mo
Today · 4.125%
HK$53,996
baseline
▲ 0.50% · 4.625%
HK$57,281
+HK$3,285/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,992/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,525
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,041
−HK$1,538/mo
Today · 4.125%
HK$59,579
baseline
▲ 0.50% · 4.625%
HK$62,720
+HK$3,141/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,158/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,327
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,359
−HK$2,064/mo
Today · 4.125%
HK$69,423
baseline
▲ 0.50% · 4.625%
HK$73,648
+HK$4,225/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,846/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,675
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,625
−HK$1,977/mo
Today · 4.125%
HK$76,602
baseline
▲ 0.50% · 4.625%
HK$80,640
+HK$4,038/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,204/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,852 · Scale 2, in force from 26 Feb 2026)