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$36,253
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,381
−HK$1,145/mo
Today · 4.125%
HK$38,526
baseline
▲ 0.50% · 4.625%
HK$40,871
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,052/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,331
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,413
−HK$1,097/mo
Today · 4.125%
HK$42,510
baseline
▲ 0.50% · 4.625%
HK$44,751
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,020/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,503
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,857
−HK$1,375/mo
Today · 4.125%
HK$46,232
baseline
▲ 0.50% · 4.625%
HK$49,045
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,464/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,397
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,695
−HK$1,317/mo
Today · 4.125%
HK$51,012
baseline
▲ 0.50% · 4.625%
HK$53,701
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,024/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,754
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,333
−HK$1,604/mo
Today · 4.125%
HK$53,937
baseline
▲ 0.50% · 4.625%
HK$57,219
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,874/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,463
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,978
−HK$1,536/mo
Today · 4.125%
HK$59,514
baseline
▲ 0.50% · 4.625%
HK$62,651
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,028/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,255
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,285
−HK$2,062/mo
Today · 4.125%
HK$69,347
baseline
▲ 0.50% · 4.625%
HK$73,567
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,694/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,596
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,543
−HK$1,975/mo
Today · 4.125%
HK$76,518
baseline
▲ 0.50% · 4.625%
HK$80,551
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,036/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,198 · Scale 2, in force from 26 Feb 2026)