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$36,373
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,505
−HK$1,149/mo
Today · 4.125%
HK$38,654
baseline
▲ 0.50% · 4.625%
HK$41,006
+HK$2,352/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,308/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,465
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,550
−HK$1,101/mo
Today · 4.125%
HK$42,651
baseline
▲ 0.50% · 4.625%
HK$44,899
+HK$2,248/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,302/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,648
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,006
−HK$1,379/mo
Today · 4.125%
HK$46,385
baseline
▲ 0.50% · 4.625%
HK$49,208
+HK$2,823/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,770/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,558
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,860
−HK$1,322/mo
Today · 4.125%
HK$51,182
baseline
▲ 0.50% · 4.625%
HK$53,879
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,364/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,923
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,507
−HK$1,609/mo
Today · 4.125%
HK$54,116
baseline
▲ 0.50% · 4.625%
HK$57,409
+HK$3,293/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,232/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,651
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,170
−HK$1,542/mo
Today · 4.125%
HK$59,712
baseline
▲ 0.50% · 4.625%
HK$62,859
+HK$3,147/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,424/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,472
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,509
−HK$2,069/mo
Today · 4.125%
HK$69,578
baseline
▲ 0.50% · 4.625%
HK$73,811
+HK$4,233/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,156/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,837
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,791
−HK$1,981/mo
Today · 4.125%
HK$76,772
baseline
▲ 0.50% · 4.625%
HK$80,819
+HK$4,047/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,544/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,180 · Scale 2, in force from 26 Feb 2026)