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$36,254
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,381
−HK$1,146/mo
Today · 4.125%
HK$38,527
baseline
▲ 0.50% · 4.625%
HK$40,871
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,054/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,332
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,413
−HK$1,098/mo
Today · 4.125%
HK$42,511
baseline
▲ 0.50% · 4.625%
HK$44,752
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,022/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,504
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,858
−HK$1,374/mo
Today · 4.125%
HK$46,232
baseline
▲ 0.50% · 4.625%
HK$49,046
+HK$2,814/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,464/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,398
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,696
−HK$1,317/mo
Today · 4.125%
HK$51,013
baseline
▲ 0.50% · 4.625%
HK$53,702
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,026/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,755
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,334
−HK$1,604/mo
Today · 4.125%
HK$53,938
baseline
▲ 0.50% · 4.625%
HK$57,220
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,876/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,464
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,979
−HK$1,536/mo
Today · 4.125%
HK$59,515
baseline
▲ 0.50% · 4.625%
HK$62,652
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,030/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,256
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,286
−HK$2,063/mo
Today · 4.125%
HK$69,349
baseline
▲ 0.50% · 4.625%
HK$73,568
+HK$4,219/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,698/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,597
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,544
−HK$1,975/mo
Today · 4.125%
HK$76,519
baseline
▲ 0.50% · 4.625%
HK$80,553
+HK$4,034/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,038/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,209 · Scale 2, in force from 26 Feb 2026)