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$36,314
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,444
−HK$1,148/mo
Today · 4.125%
HK$38,592
baseline
▲ 0.50% · 4.625%
HK$40,940
+HK$2,348/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,184/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,399
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,483
−HK$1,099/mo
Today · 4.125%
HK$42,582
baseline
▲ 0.50% · 4.625%
HK$44,827
+HK$2,245/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,164/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,577
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,933
−HK$1,377/mo
Today · 4.125%
HK$46,310
baseline
▲ 0.50% · 4.625%
HK$49,128
+HK$2,818/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,620/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,479
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,780
−HK$1,319/mo
Today · 4.125%
HK$51,099
baseline
▲ 0.50% · 4.625%
HK$53,792
+HK$2,693/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,198/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,840
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,422
−HK$1,606/mo
Today · 4.125%
HK$54,028
baseline
▲ 0.50% · 4.625%
HK$57,316
+HK$3,288/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,056/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,559
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,076
−HK$1,539/mo
Today · 4.125%
HK$59,615
baseline
▲ 0.50% · 4.625%
HK$62,757
+HK$3,142/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,230/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,366
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,399
−HK$2,066/mo
Today · 4.125%
HK$69,465
baseline
▲ 0.50% · 4.625%
HK$73,692
+HK$4,227/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,930/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,719
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,669
−HK$1,979/mo
Today · 4.125%
HK$76,648
baseline
▲ 0.50% · 4.625%
HK$80,688
+HK$4,040/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,296/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,210 · Scale 2, in force from 26 Feb 2026)