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$36,409
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,542
−HK$1,150/mo
Today · 4.125%
HK$38,692
baseline
▲ 0.50% · 4.625%
HK$41,047
+HK$2,355/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,384/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,505
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,591
−HK$1,102/mo
Today · 4.125%
HK$42,693
baseline
▲ 0.50% · 4.625%
HK$44,944
+HK$2,251/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,386/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,691
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,050
−HK$1,381/mo
Today · 4.125%
HK$46,431
baseline
▲ 0.50% · 4.625%
HK$49,256
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,862/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,606
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,909
−HK$1,323/mo
Today · 4.125%
HK$51,232
baseline
▲ 0.50% · 4.625%
HK$53,932
+HK$2,700/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,464/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,973
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,558
−HK$1,611/mo
Today · 4.125%
HK$54,169
baseline
▲ 0.50% · 4.625%
HK$57,465
+HK$3,296/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,338/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,707
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,228
−HK$1,542/mo
Today · 4.125%
HK$59,770
baseline
▲ 0.50% · 4.625%
HK$62,921
+HK$3,151/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,540/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,537
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,575
−HK$2,071/mo
Today · 4.125%
HK$69,646
baseline
▲ 0.50% · 4.625%
HK$73,884
+HK$4,238/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,292/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,909
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,864
−HK$1,984/mo
Today · 4.125%
HK$76,848
baseline
▲ 0.50% · 4.625%
HK$80,899
+HK$4,051/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,696/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,768 · Scale 2, in force from 26 Feb 2026)