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$36,249
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,376
−HK$1,146/mo
Today · 4.125%
HK$38,522
baseline
▲ 0.50% · 4.625%
HK$40,866
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,044/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,326
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,408
−HK$1,097/mo
Today · 4.125%
HK$42,505
baseline
▲ 0.50% · 4.625%
HK$44,746
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,010/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,499
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,852
−HK$1,374/mo
Today · 4.125%
HK$46,226
baseline
▲ 0.50% · 4.625%
HK$49,039
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,452/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,392
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,690
−HK$1,316/mo
Today · 4.125%
HK$51,006
baseline
▲ 0.50% · 4.625%
HK$53,695
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,012/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,748
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,327
−HK$1,604/mo
Today · 4.125%
HK$53,931
baseline
▲ 0.50% · 4.625%
HK$57,212
+HK$3,281/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,862/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,457
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,971
−HK$1,536/mo
Today · 4.125%
HK$59,507
baseline
▲ 0.50% · 4.625%
HK$62,644
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,014/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,248
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,277
−HK$2,062/mo
Today · 4.125%
HK$69,339
baseline
▲ 0.50% · 4.625%
HK$73,559
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,678/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,588
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,534
−HK$1,975/mo
Today · 4.125%
HK$76,509
baseline
▲ 0.50% · 4.625%
HK$80,542
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,018/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,130 · Scale 2, in force from 26 Feb 2026)