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$36,236
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,363
−HK$1,145/mo
Today · 4.125%
HK$38,508
baseline
▲ 0.50% · 4.625%
HK$40,851
+HK$2,343/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,016/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,312
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,393
−HK$1,097/mo
Today · 4.125%
HK$42,490
baseline
▲ 0.50% · 4.625%
HK$44,729
+HK$2,239/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$84,980/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,483
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,835
−HK$1,375/mo
Today · 4.125%
HK$46,210
baseline
▲ 0.50% · 4.625%
HK$49,021
+HK$2,811/mo
Deposit HK$6.36M · loan HK$9.53M · min. income ≈ HK$92,420/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,374
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,672
−HK$1,316/mo
Today · 4.125%
HK$50,988
baseline
▲ 0.50% · 4.625%
HK$53,675
+HK$2,687/mo
Deposit HK$6.36M · loan HK$9.53M · min. income ≈ HK$101,976/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,730
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,308
−HK$1,603/mo
Today · 4.125%
HK$53,911
baseline
▲ 0.50% · 4.625%
HK$57,192
+HK$3,281/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,822/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,437
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,950
−HK$1,536/mo
Today · 4.125%
HK$59,486
baseline
▲ 0.50% · 4.625%
HK$62,621
+HK$3,135/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,972/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,224
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,253
−HK$2,061/mo
Today · 4.125%
HK$69,314
baseline
▲ 0.50% · 4.625%
HK$73,532
+HK$4,218/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,628/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$595,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,561
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,507
−HK$1,975/mo
Today · 4.125%
HK$76,482
baseline
▲ 0.50% · 4.625%
HK$80,513
+HK$4,031/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,964/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$595,916 · Scale 2, in force from 26 Feb 2026)