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$36,382
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,514
−HK$1,150/mo
Today · 4.125%
HK$38,664
baseline
▲ 0.50% · 4.625%
HK$41,016
+HK$2,352/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,328/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,475
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,560
−HK$1,102/mo
Today · 4.125%
HK$42,662
baseline
▲ 0.50% · 4.625%
HK$44,910
+HK$2,248/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,324/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,659
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,017
−HK$1,379/mo
Today · 4.125%
HK$46,396
baseline
▲ 0.50% · 4.625%
HK$49,220
+HK$2,824/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,792/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,570
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,872
−HK$1,322/mo
Today · 4.125%
HK$51,194
baseline
▲ 0.50% · 4.625%
HK$53,892
+HK$2,698/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,388/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,935
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,520
−HK$1,609/mo
Today · 4.125%
HK$54,129
baseline
▲ 0.50% · 4.625%
HK$57,423
+HK$3,294/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,258/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,665
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,185
−HK$1,541/mo
Today · 4.125%
HK$59,726
baseline
▲ 0.50% · 4.625%
HK$62,875
+HK$3,149/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,452/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,488
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,525
−HK$2,070/mo
Today · 4.125%
HK$69,595
baseline
▲ 0.50% · 4.625%
HK$73,829
+HK$4,234/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,190/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,855
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,809
−HK$1,982/mo
Today · 4.125%
HK$76,791
baseline
▲ 0.50% · 4.625%
HK$80,839
+HK$4,048/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,582/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,326 · Scale 2, in force from 26 Feb 2026)