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$36,357
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,488
−HK$1,149/mo
Today · 4.125%
HK$38,637
baseline
▲ 0.50% · 4.625%
HK$40,988
+HK$2,351/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,274/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,447
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,531
−HK$1,101/mo
Today · 4.125%
HK$42,632
baseline
▲ 0.50% · 4.625%
HK$44,879
+HK$2,247/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,264/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,628
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,985
−HK$1,379/mo
Today · 4.125%
HK$46,364
baseline
▲ 0.50% · 4.625%
HK$49,185
+HK$2,821/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,728/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$597,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,536
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,838
−HK$1,320/mo
Today · 4.125%
HK$51,158
baseline
▲ 0.50% · 4.625%
HK$53,855
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,316/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$597,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,899
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,483
−HK$1,608/mo
Today · 4.125%
HK$54,091
baseline
▲ 0.50% · 4.625%
HK$57,383
+HK$3,292/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,182/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,625
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,144
−HK$1,540/mo
Today · 4.125%
HK$59,684
baseline
▲ 0.50% · 4.625%
HK$62,830
+HK$3,146/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,368/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,442
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,478
−HK$2,068/mo
Today · 4.125%
HK$69,546
baseline
▲ 0.50% · 4.625%
HK$73,778
+HK$4,232/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,092/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,804
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,756
−HK$1,981/mo
Today · 4.125%
HK$76,737
baseline
▲ 0.50% · 4.625%
HK$80,782
+HK$4,045/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,474/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,906 · Scale 2, in force from 26 Feb 2026)