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$36,283
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,412
−HK$1,146/mo
Today · 4.125%
HK$38,558
baseline
▲ 0.50% · 4.625%
HK$40,904
+HK$2,346/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,116/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,364
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,447
−HK$1,098/mo
Today · 4.125%
HK$42,545
baseline
▲ 0.50% · 4.625%
HK$44,788
+HK$2,243/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,090/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,540
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,894
−HK$1,376/mo
Today · 4.125%
HK$46,270
baseline
▲ 0.50% · 4.625%
HK$49,085
+HK$2,815/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$92,540/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,437
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,736
−HK$1,318/mo
Today · 4.125%
HK$51,054
baseline
▲ 0.50% · 4.625%
HK$53,745
+HK$2,691/mo
Deposit HK$6.36M · loan HK$9.55M · min. income ≈ HK$102,108/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,796
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,376
−HK$1,605/mo
Today · 4.125%
HK$53,981
baseline
▲ 0.50% · 4.625%
HK$57,266
+HK$3,285/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$107,962/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,510
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,026
−HK$1,537/mo
Today · 4.125%
HK$59,563
baseline
▲ 0.50% · 4.625%
HK$62,703
+HK$3,140/mo
Deposit HK$4.77M · loan HK$11.14M · min. income ≈ HK$119,126/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,309
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,341
−HK$2,064/mo
Today · 4.125%
HK$69,405
baseline
▲ 0.50% · 4.625%
HK$73,628
+HK$4,223/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,810/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,656
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,604
−HK$1,977/mo
Today · 4.125%
HK$76,581
baseline
▲ 0.50% · 4.625%
HK$80,618
+HK$4,037/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,162/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,692 · Scale 2, in force from 26 Feb 2026)