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$36,311
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,441
−HK$1,148/mo
Today · 4.125%
HK$38,589
baseline
▲ 0.50% · 4.625%
HK$40,937
+HK$2,348/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,178/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,396
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,480
−HK$1,099/mo
Today · 4.125%
HK$42,579
baseline
▲ 0.50% · 4.625%
HK$44,823
+HK$2,244/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,158/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,574
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,929
−HK$1,377/mo
Today · 4.125%
HK$46,306
baseline
▲ 0.50% · 4.625%
HK$49,124
+HK$2,818/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,612/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,475
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,775
−HK$1,319/mo
Today · 4.125%
HK$51,094
baseline
▲ 0.50% · 4.625%
HK$53,788
+HK$2,694/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,188/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,836
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,417
−HK$1,607/mo
Today · 4.125%
HK$54,024
baseline
▲ 0.50% · 4.625%
HK$57,311
+HK$3,287/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,048/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,555
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,071
−HK$1,539/mo
Today · 4.125%
HK$59,610
baseline
▲ 0.50% · 4.625%
HK$62,752
+HK$3,142/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,220/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,361
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,394
−HK$2,065/mo
Today · 4.125%
HK$69,459
baseline
▲ 0.50% · 4.625%
HK$73,686
+HK$4,227/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,918/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,713
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,663
−HK$1,979/mo
Today · 4.125%
HK$76,642
baseline
▲ 0.50% · 4.625%
HK$80,681
+HK$4,039/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,284/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,162 · Scale 2, in force from 26 Feb 2026)