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$36,310
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,440
−HK$1,147/mo
Today · 4.125%
HK$38,587
baseline
▲ 0.50% · 4.625%
HK$40,935
+HK$2,348/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,174/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,395
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,478
−HK$1,099/mo
Today · 4.125%
HK$42,577
baseline
▲ 0.50% · 4.625%
HK$44,822
+HK$2,245/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,154/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,572
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,928
−HK$1,377/mo
Today · 4.125%
HK$46,305
baseline
▲ 0.50% · 4.625%
HK$49,122
+HK$2,817/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$92,610/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,474
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,774
−HK$1,319/mo
Today · 4.125%
HK$51,093
baseline
▲ 0.50% · 4.625%
HK$53,786
+HK$2,693/mo
Deposit HK$6.37M · loan HK$9.55M · min. income ≈ HK$102,186/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,834
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,416
−HK$1,606/mo
Today · 4.125%
HK$54,022
baseline
▲ 0.50% · 4.625%
HK$57,309
+HK$3,287/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,044/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,553
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,069
−HK$1,539/mo
Today · 4.125%
HK$59,608
baseline
▲ 0.50% · 4.625%
HK$62,750
+HK$3,142/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,216/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,358
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,391
−HK$2,066/mo
Today · 4.125%
HK$69,457
baseline
▲ 0.50% · 4.625%
HK$73,683
+HK$4,226/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,914/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,711
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,661
−HK$1,978/mo
Today · 4.125%
HK$76,639
baseline
▲ 0.50% · 4.625%
HK$80,679
+HK$4,040/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,278/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,141 · Scale 2, in force from 26 Feb 2026)