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$36,244
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,371
−HK$1,146/mo
Today · 4.125%
HK$38,517
baseline
▲ 0.50% · 4.625%
HK$40,860
+HK$2,343/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,034/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,321
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,402
−HK$1,097/mo
Today · 4.125%
HK$42,499
baseline
▲ 0.50% · 4.625%
HK$44,740
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$84,998/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,493
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,845
−HK$1,375/mo
Today · 4.125%
HK$46,220
baseline
▲ 0.50% · 4.625%
HK$49,032
+HK$2,812/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,440/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,385
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,683
−HK$1,316/mo
Today · 4.125%
HK$50,999
baseline
▲ 0.50% · 4.625%
HK$53,687
+HK$2,688/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$101,998/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,741
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,320
−HK$1,603/mo
Today · 4.125%
HK$53,923
baseline
▲ 0.50% · 4.625%
HK$57,204
+HK$3,281/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,846/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,449
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,963
−HK$1,536/mo
Today · 4.125%
HK$59,499
baseline
▲ 0.50% · 4.625%
HK$62,635
+HK$3,136/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$118,998/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$596,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,239
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,268
−HK$2,062/mo
Today · 4.125%
HK$69,330
baseline
▲ 0.50% · 4.625%
HK$73,549
+HK$4,219/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,660/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,578
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,524
−HK$1,975/mo
Today · 4.125%
HK$76,499
baseline
▲ 0.50% · 4.625%
HK$80,531
+HK$4,032/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$152,998/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,049 · Scale 2, in force from 26 Feb 2026)