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$36,271
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,400
−HK$1,146/mo
Today · 4.125%
HK$38,546
baseline
▲ 0.50% · 4.625%
HK$40,891
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,092/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,352
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,434
−HK$1,098/mo
Today · 4.125%
HK$42,532
baseline
▲ 0.50% · 4.625%
HK$44,774
+HK$2,242/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,064/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,526
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,880
−HK$1,375/mo
Today · 4.125%
HK$46,255
baseline
▲ 0.50% · 4.625%
HK$49,070
+HK$2,815/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,510/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,422
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,721
−HK$1,317/mo
Today · 4.125%
HK$51,038
baseline
▲ 0.50% · 4.625%
HK$53,728
+HK$2,690/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,076/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,780
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,360
−HK$1,604/mo
Today · 4.125%
HK$53,964
baseline
▲ 0.50% · 4.625%
HK$57,248
+HK$3,284/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,928/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,492
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,007
−HK$1,537/mo
Today · 4.125%
HK$59,544
baseline
▲ 0.50% · 4.625%
HK$62,683
+HK$3,139/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,088/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,289
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,320
−HK$2,063/mo
Today · 4.125%
HK$69,383
baseline
▲ 0.50% · 4.625%
HK$73,605
+HK$4,222/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,766/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,633
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,581
−HK$1,976/mo
Today · 4.125%
HK$76,557
baseline
▲ 0.50% · 4.625%
HK$80,593
+HK$4,036/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,114/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,504 · Scale 2, in force from 26 Feb 2026)