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$36,299
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,428
−HK$1,147/mo
Today · 4.125%
HK$38,575
baseline
▲ 0.50% · 4.625%
HK$40,922
+HK$2,347/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,150/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$596,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,382
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,465
−HK$1,099/mo
Today · 4.125%
HK$42,564
baseline
▲ 0.50% · 4.625%
HK$44,808
+HK$2,244/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,128/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$596,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,559
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,914
−HK$1,376/mo
Today · 4.125%
HK$46,290
baseline
▲ 0.50% · 4.625%
HK$49,107
+HK$2,817/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,580/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,459
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,758
−HK$1,319/mo
Today · 4.125%
HK$51,077
baseline
▲ 0.50% · 4.625%
HK$53,769
+HK$2,692/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,154/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,819
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,399
−HK$1,606/mo
Today · 4.125%
HK$54,005
baseline
▲ 0.50% · 4.625%
HK$57,291
+HK$3,286/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$108,010/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,535
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,051
−HK$1,538/mo
Today · 4.125%
HK$59,589
baseline
▲ 0.50% · 4.625%
HK$62,731
+HK$3,142/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$119,178/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,338
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,370
−HK$2,065/mo
Today · 4.125%
HK$69,435
baseline
▲ 0.50% · 4.625%
HK$73,660
+HK$4,225/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,870/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,688
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,637
−HK$1,978/mo
Today · 4.125%
HK$76,615
baseline
▲ 0.50% · 4.625%
HK$80,654
+HK$4,039/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,230/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,955 · Scale 2, in force from 26 Feb 2026)