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$36,251
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,379
−HK$1,145/mo
Today · 4.125%
HK$38,524
baseline
▲ 0.50% · 4.625%
HK$40,868
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,048/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,329
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,410
−HK$1,098/mo
Today · 4.125%
HK$42,508
baseline
▲ 0.50% · 4.625%
HK$44,748
+HK$2,240/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,016/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,501
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,854
−HK$1,375/mo
Today · 4.125%
HK$46,229
baseline
▲ 0.50% · 4.625%
HK$49,042
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,458/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,395
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,692
−HK$1,317/mo
Today · 4.125%
HK$51,009
baseline
▲ 0.50% · 4.625%
HK$53,698
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,018/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,751
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,330
−HK$1,604/mo
Today · 4.125%
HK$53,934
baseline
▲ 0.50% · 4.625%
HK$57,216
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,868/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,460
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,975
−HK$1,536/mo
Today · 4.125%
HK$59,511
baseline
▲ 0.50% · 4.625%
HK$62,648
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,022/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,252
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,281
−HK$2,062/mo
Today · 4.125%
HK$69,343
baseline
▲ 0.50% · 4.625%
HK$73,563
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,686/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,592
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,539
−HK$1,975/mo
Today · 4.125%
HK$76,514
baseline
▲ 0.50% · 4.625%
HK$80,547
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,028/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,165 · Scale 2, in force from 26 Feb 2026)