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$36,456
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,590
−HK$1,152/mo
Today · 4.125%
HK$38,742
baseline
▲ 0.50% · 4.625%
HK$41,100
+HK$2,358/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,484/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,557
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,645
−HK$1,103/mo
Today · 4.125%
HK$42,748
baseline
▲ 0.50% · 4.625%
HK$45,002
+HK$2,254/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,496/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,748
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,108
−HK$1,383/mo
Today · 4.125%
HK$46,491
baseline
▲ 0.50% · 4.625%
HK$49,320
+HK$2,829/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$92,982/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,669
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,974
−HK$1,324/mo
Today · 4.125%
HK$51,298
baseline
▲ 0.50% · 4.625%
HK$54,002
+HK$2,704/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$102,596/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,039
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,626
−HK$1,613/mo
Today · 4.125%
HK$54,239
baseline
▲ 0.50% · 4.625%
HK$57,540
+HK$3,301/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,478/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,780
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,303
−HK$1,545/mo
Today · 4.125%
HK$59,848
baseline
▲ 0.50% · 4.625%
HK$63,002
+HK$3,154/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,696/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,621
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,662
−HK$2,074/mo
Today · 4.125%
HK$69,736
baseline
▲ 0.50% · 4.625%
HK$73,980
+HK$4,244/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,472/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,003
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,961
−HK$1,986/mo
Today · 4.125%
HK$76,947
baseline
▲ 0.50% · 4.625%
HK$81,003
+HK$4,056/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,894/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,543 · Scale 2, in force from 26 Feb 2026)