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$36,252
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,380
−HK$1,145/mo
Today · 4.125%
HK$38,525
baseline
▲ 0.50% · 4.625%
HK$40,870
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,050/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,330
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,412
−HK$1,097/mo
Today · 4.125%
HK$42,509
baseline
▲ 0.50% · 4.625%
HK$44,750
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,018/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,502
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,856
−HK$1,374/mo
Today · 4.125%
HK$46,230
baseline
▲ 0.50% · 4.625%
HK$49,043
+HK$2,813/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,460/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,396
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,694
−HK$1,317/mo
Today · 4.125%
HK$51,011
baseline
▲ 0.50% · 4.625%
HK$53,700
+HK$2,689/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,022/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,753
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,332
−HK$1,604/mo
Today · 4.125%
HK$53,936
baseline
▲ 0.50% · 4.625%
HK$57,217
+HK$3,281/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,872/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,462
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,976
−HK$1,537/mo
Today · 4.125%
HK$59,513
baseline
▲ 0.50% · 4.625%
HK$62,650
+HK$3,137/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,026/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,254
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,283
−HK$2,063/mo
Today · 4.125%
HK$69,346
baseline
▲ 0.50% · 4.625%
HK$73,565
+HK$4,219/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$138,692/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,594
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,541
−HK$1,975/mo
Today · 4.125%
HK$76,516
baseline
▲ 0.50% · 4.625%
HK$80,549
+HK$4,033/mo
Deposit HK$1.59M · loan HK$14.31M · min. income ≈ HK$153,032/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,184 · Scale 2, in force from 26 Feb 2026)