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$36,375
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,506
−HK$1,150/mo
Today · 4.125%
HK$38,656
baseline
▲ 0.50% · 4.625%
HK$41,008
+HK$2,352/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,312/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,467
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,552
−HK$1,101/mo
Today · 4.125%
HK$42,653
baseline
▲ 0.50% · 4.625%
HK$44,901
+HK$2,248/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,306/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,650
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,008
−HK$1,379/mo
Today · 4.125%
HK$46,387
baseline
▲ 0.50% · 4.625%
HK$49,210
+HK$2,823/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,774/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,560
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,862
−HK$1,322/mo
Today · 4.125%
HK$51,184
baseline
▲ 0.50% · 4.625%
HK$53,881
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,368/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,925
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,509
−HK$1,609/mo
Today · 4.125%
HK$54,118
baseline
▲ 0.50% · 4.625%
HK$57,411
+HK$3,293/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,236/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,653
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,173
−HK$1,541/mo
Today · 4.125%
HK$59,714
baseline
▲ 0.50% · 4.625%
HK$62,862
+HK$3,148/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,428/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,475
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,511
−HK$2,070/mo
Today · 4.125%
HK$69,581
baseline
▲ 0.50% · 4.625%
HK$73,814
+HK$4,233/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,162/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,840
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,793
−HK$1,982/mo
Today · 4.125%
HK$76,775
baseline
▲ 0.50% · 4.625%
HK$80,822
+HK$4,047/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,550/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,204 · Scale 2, in force from 26 Feb 2026)