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$36,238
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,365
−HK$1,145/mo
Today · 4.125%
HK$38,510
baseline
▲ 0.50% · 4.625%
HK$40,854
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,020/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,314
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,396
−HK$1,096/mo
Today · 4.125%
HK$42,492
baseline
▲ 0.50% · 4.625%
HK$44,732
+HK$2,240/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$84,984/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,486
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,838
−HK$1,374/mo
Today · 4.125%
HK$46,212
baseline
▲ 0.50% · 4.625%
HK$49,024
+HK$2,812/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,424/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,377
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,675
−HK$1,316/mo
Today · 4.125%
HK$50,991
baseline
▲ 0.50% · 4.625%
HK$53,679
+HK$2,688/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$101,982/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,733
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,311
−HK$1,604/mo
Today · 4.125%
HK$53,915
baseline
▲ 0.50% · 4.625%
HK$57,195
+HK$3,280/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,830/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,440
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,954
−HK$1,535/mo
Today · 4.125%
HK$59,489
baseline
▲ 0.50% · 4.625%
HK$62,625
+HK$3,136/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,978/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,228
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,257
−HK$2,062/mo
Today · 4.125%
HK$69,319
baseline
▲ 0.50% · 4.625%
HK$73,537
+HK$4,218/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,638/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$595,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,566
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,512
−HK$1,974/mo
Today · 4.125%
HK$76,486
baseline
▲ 0.50% · 4.625%
HK$80,518
+HK$4,032/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,972/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$595,952 · Scale 2, in force from 26 Feb 2026)