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$36,323
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,453
−HK$1,148/mo
Today · 4.125%
HK$38,601
baseline
▲ 0.50% · 4.625%
HK$40,950
+HK$2,349/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,202/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,409
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,493
−HK$1,099/mo
Today · 4.125%
HK$42,592
baseline
▲ 0.50% · 4.625%
HK$44,837
+HK$2,245/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,184/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,588
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,944
−HK$1,377/mo
Today · 4.125%
HK$46,321
baseline
▲ 0.50% · 4.625%
HK$49,140
+HK$2,819/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,642/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,491
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,791
−HK$1,320/mo
Today · 4.125%
HK$51,111
baseline
▲ 0.50% · 4.625%
HK$53,805
+HK$2,694/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,222/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,852
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,434
−HK$1,607/mo
Today · 4.125%
HK$54,041
baseline
▲ 0.50% · 4.625%
HK$57,330
+HK$3,289/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,082/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,573
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,090
−HK$1,539/mo
Today · 4.125%
HK$59,629
baseline
▲ 0.50% · 4.625%
HK$62,772
+HK$3,143/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,258/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,382
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,415
−HK$2,067/mo
Today · 4.125%
HK$69,482
baseline
▲ 0.50% · 4.625%
HK$73,709
+HK$4,227/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$138,964/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,736
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,687
−HK$1,979/mo
Today · 4.125%
HK$76,666
baseline
▲ 0.50% · 4.625%
HK$80,707
+HK$4,041/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,332/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,353 · Scale 2, in force from 26 Feb 2026)