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$36,370
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,501
−HK$1,150/mo
Today · 4.125%
HK$38,651
baseline
▲ 0.50% · 4.625%
HK$41,003
+HK$2,352/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,302/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,461
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,546
−HK$1,101/mo
Today · 4.125%
HK$42,647
baseline
▲ 0.50% · 4.625%
HK$44,895
+HK$2,248/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,294/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,644
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,002
−HK$1,379/mo
Today · 4.125%
HK$46,381
baseline
▲ 0.50% · 4.625%
HK$49,203
+HK$2,822/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,762/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,554
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,856
−HK$1,321/mo
Today · 4.125%
HK$51,177
baseline
▲ 0.50% · 4.625%
HK$53,874
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,354/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,918
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,502
−HK$1,609/mo
Today · 4.125%
HK$54,111
baseline
▲ 0.50% · 4.625%
HK$57,404
+HK$3,293/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,222/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,646
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,165
−HK$1,541/mo
Today · 4.125%
HK$59,706
baseline
▲ 0.50% · 4.625%
HK$62,853
+HK$3,147/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,412/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,466
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,502
−HK$2,069/mo
Today · 4.125%
HK$69,571
baseline
▲ 0.50% · 4.625%
HK$73,805
+HK$4,234/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,142/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,830
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,784
−HK$1,981/mo
Today · 4.125%
HK$76,765
baseline
▲ 0.50% · 4.625%
HK$80,812
+HK$4,047/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,530/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,125 · Scale 2, in force from 26 Feb 2026)