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$36,426
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,559
−HK$1,151/mo
Today · 4.125%
HK$38,710
baseline
▲ 0.50% · 4.625%
HK$41,065
+HK$2,355/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,420/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,523
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,610
−HK$1,103/mo
Today · 4.125%
HK$42,713
baseline
▲ 0.50% · 4.625%
HK$44,964
+HK$2,251/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,426/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,711
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,071
−HK$1,381/mo
Today · 4.125%
HK$46,452
baseline
▲ 0.50% · 4.625%
HK$49,278
+HK$2,826/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,904/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,628
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,932
−HK$1,323/mo
Today · 4.125%
HK$51,255
baseline
▲ 0.50% · 4.625%
HK$53,957
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,510/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,996
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,582
−HK$1,612/mo
Today · 4.125%
HK$54,194
baseline
▲ 0.50% · 4.625%
HK$57,491
+HK$3,297/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,388/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,733
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,254
−HK$1,544/mo
Today · 4.125%
HK$59,798
baseline
▲ 0.50% · 4.625%
HK$62,950
+HK$3,152/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,596/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,566
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,606
−HK$2,072/mo
Today · 4.125%
HK$69,678
baseline
▲ 0.50% · 4.625%
HK$73,918
+HK$4,240/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,356/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,942
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,898
−HK$1,985/mo
Today · 4.125%
HK$76,883
baseline
▲ 0.50% · 4.625%
HK$80,935
+HK$4,052/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,766/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,040 · Scale 2, in force from 26 Feb 2026)