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$36,308
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,437
−HK$1,148/mo
Today · 4.125%
HK$38,585
baseline
▲ 0.50% · 4.625%
HK$40,932
+HK$2,347/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,170/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,392
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,475
−HK$1,099/mo
Today · 4.125%
HK$42,574
baseline
▲ 0.50% · 4.625%
HK$44,819
+HK$2,245/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,148/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,569
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,925
−HK$1,377/mo
Today · 4.125%
HK$46,302
baseline
▲ 0.50% · 4.625%
HK$49,119
+HK$2,817/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,604/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,471
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,771
−HK$1,318/mo
Today · 4.125%
HK$51,089
baseline
▲ 0.50% · 4.625%
HK$53,782
+HK$2,693/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,178/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,831
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,412
−HK$1,607/mo
Today · 4.125%
HK$54,019
baseline
▲ 0.50% · 4.625%
HK$57,305
+HK$3,286/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,038/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,549
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,066
−HK$1,538/mo
Today · 4.125%
HK$59,604
baseline
▲ 0.50% · 4.625%
HK$62,746
+HK$3,142/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,208/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,354
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,387
−HK$2,065/mo
Today · 4.125%
HK$69,452
baseline
▲ 0.50% · 4.625%
HK$73,678
+HK$4,226/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,904/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,706
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,656
−HK$1,978/mo
Today · 4.125%
HK$76,634
baseline
▲ 0.50% · 4.625%
HK$80,673
+HK$4,039/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,268/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,102 · Scale 2, in force from 26 Feb 2026)