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$36,334
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,464
−HK$1,149/mo
Today · 4.125%
HK$38,613
baseline
▲ 0.50% · 4.625%
HK$40,962
+HK$2,349/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,226/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,421
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,505
−HK$1,100/mo
Today · 4.125%
HK$42,605
baseline
▲ 0.50% · 4.625%
HK$44,851
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,210/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,601
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,957
−HK$1,378/mo
Today · 4.125%
HK$46,335
baseline
▲ 0.50% · 4.625%
HK$49,154
+HK$2,819/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,670/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,506
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,806
−HK$1,320/mo
Today · 4.125%
HK$51,126
baseline
▲ 0.50% · 4.625%
HK$53,821
+HK$2,695/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,252/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,868
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,450
−HK$1,608/mo
Today · 4.125%
HK$54,058
baseline
▲ 0.50% · 4.625%
HK$57,347
+HK$3,289/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,116/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,590
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,108
−HK$1,539/mo
Today · 4.125%
HK$59,647
baseline
▲ 0.50% · 4.625%
HK$62,791
+HK$3,144/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,294/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,401
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,436
−HK$2,067/mo
Today · 4.125%
HK$69,503
baseline
▲ 0.50% · 4.625%
HK$73,732
+HK$4,229/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$139,006/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,758
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,710
−HK$1,979/mo
Today · 4.125%
HK$76,689
baseline
▲ 0.50% · 4.625%
HK$80,732
+HK$4,043/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,378/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,533 · Scale 2, in force from 26 Feb 2026)