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$36,257
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,385
−HK$1,146/mo
Today · 4.125%
HK$38,531
baseline
▲ 0.50% · 4.625%
HK$40,875
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,062/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,336
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,418
−HK$1,097/mo
Today · 4.125%
HK$42,515
baseline
▲ 0.50% · 4.625%
HK$44,756
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,030/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,509
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,862
−HK$1,375/mo
Today · 4.125%
HK$46,237
baseline
▲ 0.50% · 4.625%
HK$49,050
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,474/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,403
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,701
−HK$1,317/mo
Today · 4.125%
HK$51,018
baseline
▲ 0.50% · 4.625%
HK$53,707
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,036/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,760
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,339
−HK$1,604/mo
Today · 4.125%
HK$53,943
baseline
▲ 0.50% · 4.625%
HK$57,226
+HK$3,283/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,886/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,470
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,985
−HK$1,536/mo
Today · 4.125%
HK$59,521
baseline
▲ 0.50% · 4.625%
HK$62,658
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,042/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,263
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,293
−HK$2,063/mo
Today · 4.125%
HK$69,356
baseline
▲ 0.50% · 4.625%
HK$73,576
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,712/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,604
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,552
−HK$1,975/mo
Today · 4.125%
HK$76,527
baseline
▲ 0.50% · 4.625%
HK$80,561
+HK$4,034/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,054/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,270 · Scale 2, in force from 26 Feb 2026)