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$36,432
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,566
−HK$1,151/mo
Today · 4.125%
HK$38,717
baseline
▲ 0.50% · 4.625%
HK$41,073
+HK$2,356/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,434/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,531
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,618
−HK$1,102/mo
Today · 4.125%
HK$42,720
baseline
▲ 0.50% · 4.625%
HK$44,972
+HK$2,252/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,440/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,719
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,079
−HK$1,381/mo
Today · 4.125%
HK$46,460
baseline
▲ 0.50% · 4.625%
HK$49,287
+HK$2,827/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,920/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,637
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,941
−HK$1,323/mo
Today · 4.125%
HK$51,264
baseline
▲ 0.50% · 4.625%
HK$53,967
+HK$2,703/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,528/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,005
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,592
−HK$1,612/mo
Today · 4.125%
HK$54,204
baseline
▲ 0.50% · 4.625%
HK$57,502
+HK$3,298/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,408/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,743
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,265
−HK$1,543/mo
Today · 4.125%
HK$59,808
baseline
▲ 0.50% · 4.625%
HK$62,961
+HK$3,153/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,616/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,578
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,618
−HK$2,072/mo
Today · 4.125%
HK$69,690
baseline
▲ 0.50% · 4.625%
HK$73,931
+HK$4,241/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,380/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,955
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,912
−HK$1,985/mo
Today · 4.125%
HK$76,897
baseline
▲ 0.50% · 4.625%
HK$80,950
+HK$4,053/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,794/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,148 · Scale 2, in force from 26 Feb 2026)