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$36,307
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,436
−HK$1,147/mo
Today · 4.125%
HK$38,583
baseline
▲ 0.50% · 4.625%
HK$40,931
+HK$2,348/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,166/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,391
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,474
−HK$1,099/mo
Today · 4.125%
HK$42,573
baseline
▲ 0.50% · 4.625%
HK$44,817
+HK$2,244/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,146/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,568
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,923
−HK$1,377/mo
Today · 4.125%
HK$46,300
baseline
▲ 0.50% · 4.625%
HK$49,117
+HK$2,817/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,600/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,469
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,769
−HK$1,319/mo
Today · 4.125%
HK$51,088
baseline
▲ 0.50% · 4.625%
HK$53,780
+HK$2,692/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,176/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,829
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,410
−HK$1,607/mo
Today · 4.125%
HK$54,017
baseline
▲ 0.50% · 4.625%
HK$57,304
+HK$3,287/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,034/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,547
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,064
−HK$1,538/mo
Today · 4.125%
HK$59,602
baseline
▲ 0.50% · 4.625%
HK$62,744
+HK$3,142/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,204/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,352
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,385
−HK$2,065/mo
Today · 4.125%
HK$69,450
baseline
▲ 0.50% · 4.625%
HK$73,676
+HK$4,226/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,900/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,703
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,653
−HK$1,978/mo
Today · 4.125%
HK$76,631
baseline
▲ 0.50% · 4.625%
HK$80,671
+HK$4,040/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,262/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,082 · Scale 2, in force from 26 Feb 2026)