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$36,321
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,451
−HK$1,147/mo
Today · 4.125%
HK$38,598
baseline
▲ 0.50% · 4.625%
HK$40,947
+HK$2,349/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,196/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,406
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,490
−HK$1,099/mo
Today · 4.125%
HK$42,589
baseline
▲ 0.50% · 4.625%
HK$44,834
+HK$2,245/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,178/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,585
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,941
−HK$1,377/mo
Today · 4.125%
HK$46,318
baseline
▲ 0.50% · 4.625%
HK$49,136
+HK$2,818/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,636/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,488
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,788
−HK$1,319/mo
Today · 4.125%
HK$51,107
baseline
▲ 0.50% · 4.625%
HK$53,801
+HK$2,694/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,214/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,849
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,431
−HK$1,607/mo
Today · 4.125%
HK$54,038
baseline
▲ 0.50% · 4.625%
HK$57,326
+HK$3,288/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,076/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,569
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,086
−HK$1,539/mo
Today · 4.125%
HK$59,625
baseline
▲ 0.50% · 4.625%
HK$62,768
+HK$3,143/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,250/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,377
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,411
−HK$2,066/mo
Today · 4.125%
HK$69,477
baseline
▲ 0.50% · 4.625%
HK$73,705
+HK$4,228/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$138,954/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,732
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,682
−HK$1,979/mo
Today · 4.125%
HK$76,661
baseline
▲ 0.50% · 4.625%
HK$80,702
+HK$4,041/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,322/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,314 · Scale 2, in force from 26 Feb 2026)