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$36,343
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,473
−HK$1,149/mo
Today · 4.125%
HK$38,622
baseline
▲ 0.50% · 4.625%
HK$40,972
+HK$2,350/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,244/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,431
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,515
−HK$1,100/mo
Today · 4.125%
HK$42,615
baseline
▲ 0.50% · 4.625%
HK$44,861
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,230/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,611
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,968
−HK$1,378/mo
Today · 4.125%
HK$46,346
baseline
▲ 0.50% · 4.625%
HK$49,166
+HK$2,820/mo
Deposit HK$6.38M · loan HK$9.56M · min. income ≈ HK$92,692/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,517
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,818
−HK$1,320/mo
Today · 4.125%
HK$51,138
baseline
▲ 0.50% · 4.625%
HK$53,834
+HK$2,696/mo
Deposit HK$6.38M · loan HK$9.56M · min. income ≈ HK$102,276/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,880
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,462
−HK$1,608/mo
Today · 4.125%
HK$54,070
baseline
▲ 0.50% · 4.625%
HK$57,360
+HK$3,290/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,140/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,603
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,121
−HK$1,540/mo
Today · 4.125%
HK$59,661
baseline
▲ 0.50% · 4.625%
HK$62,806
+HK$3,145/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,322/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,417
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,452
−HK$2,067/mo
Today · 4.125%
HK$69,519
baseline
▲ 0.50% · 4.625%
HK$73,749
+HK$4,230/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$139,038/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,776
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,727
−HK$1,980/mo
Today · 4.125%
HK$76,707
baseline
▲ 0.50% · 4.625%
HK$80,751
+HK$4,044/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,414/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,674 · Scale 2, in force from 26 Feb 2026)