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$36,314
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,443
−HK$1,148/mo
Today · 4.125%
HK$38,591
baseline
▲ 0.50% · 4.625%
HK$40,939
+HK$2,348/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,182/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,399
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,482
−HK$1,099/mo
Today · 4.125%
HK$42,581
baseline
▲ 0.50% · 4.625%
HK$44,826
+HK$2,245/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,162/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,577
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,932
−HK$1,377/mo
Today · 4.125%
HK$46,309
baseline
▲ 0.50% · 4.625%
HK$49,127
+HK$2,818/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,618/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,479
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,779
−HK$1,319/mo
Today · 4.125%
HK$51,098
baseline
▲ 0.50% · 4.625%
HK$53,791
+HK$2,693/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,196/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,839
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,421
−HK$1,606/mo
Today · 4.125%
HK$54,027
baseline
▲ 0.50% · 4.625%
HK$57,315
+HK$3,288/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,054/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,558
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,075
−HK$1,539/mo
Today · 4.125%
HK$59,614
baseline
▲ 0.50% · 4.625%
HK$62,756
+HK$3,142/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,228/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$597,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,365
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,398
−HK$2,066/mo
Today · 4.125%
HK$69,464
baseline
▲ 0.50% · 4.625%
HK$73,691
+HK$4,227/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$138,928/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,718
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,668
−HK$1,979/mo
Today · 4.125%
HK$76,647
baseline
▲ 0.50% · 4.625%
HK$80,687
+HK$4,040/mo
Deposit HK$1.59M · loan HK$14.33M · min. income ≈ HK$153,294/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,200 · Scale 2, in force from 26 Feb 2026)