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$36,248
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,375
−HK$1,146/mo
Today · 4.125%
HK$38,521
baseline
▲ 0.50% · 4.625%
HK$40,865
+HK$2,344/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,042/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,325
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,407
−HK$1,097/mo
Today · 4.125%
HK$42,504
baseline
▲ 0.50% · 4.625%
HK$44,744
+HK$2,240/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,008/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$596,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,497
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,850
−HK$1,375/mo
Today · 4.125%
HK$46,225
baseline
▲ 0.50% · 4.625%
HK$49,038
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,450/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,390
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,688
−HK$1,317/mo
Today · 4.125%
HK$51,005
baseline
▲ 0.50% · 4.625%
HK$53,693
+HK$2,688/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,010/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$596,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,747
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,325
−HK$1,604/mo
Today · 4.125%
HK$53,929
baseline
▲ 0.50% · 4.625%
HK$57,211
+HK$3,282/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,858/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,455
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,969
−HK$1,537/mo
Today · 4.125%
HK$59,506
baseline
▲ 0.50% · 4.625%
HK$62,642
+HK$3,136/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,012/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,246
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,276
−HK$2,061/mo
Today · 4.125%
HK$69,337
baseline
▲ 0.50% · 4.625%
HK$73,557
+HK$4,220/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,674/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,586
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,532
−HK$1,975/mo
Today · 4.125%
HK$76,507
baseline
▲ 0.50% · 4.625%
HK$80,540
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,014/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,114 · Scale 2, in force from 26 Feb 2026)