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$36,297
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,427
−HK$1,147/mo
Today · 4.125%
HK$38,574
baseline
▲ 0.50% · 4.625%
HK$40,921
+HK$2,347/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,148/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$596,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,381
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,464
−HK$1,098/mo
Today · 4.125%
HK$42,562
baseline
▲ 0.50% · 4.625%
HK$44,806
+HK$2,244/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,124/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$596,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,557
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,912
−HK$1,376/mo
Today · 4.125%
HK$46,288
baseline
▲ 0.50% · 4.625%
HK$49,105
+HK$2,817/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,576/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,457
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,756
−HK$1,319/mo
Today · 4.125%
HK$51,075
baseline
▲ 0.50% · 4.625%
HK$53,767
+HK$2,692/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,150/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,816
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,397
−HK$1,606/mo
Today · 4.125%
HK$54,003
baseline
▲ 0.50% · 4.625%
HK$57,289
+HK$3,286/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$108,006/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,533
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,049
−HK$1,538/mo
Today · 4.125%
HK$59,587
baseline
▲ 0.50% · 4.625%
HK$62,728
+HK$3,141/mo
Deposit HK$4.78M · loan HK$11.14M · min. income ≈ HK$119,174/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,335
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,368
−HK$2,065/mo
Today · 4.125%
HK$69,433
baseline
▲ 0.50% · 4.625%
HK$73,657
+HK$4,224/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,866/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,685
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,634
−HK$1,978/mo
Today · 4.125%
HK$76,612
baseline
▲ 0.50% · 4.625%
HK$80,650
+HK$4,038/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,224/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,931 · Scale 2, in force from 26 Feb 2026)