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$36,397
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,529
−HK$1,151/mo
Today · 4.125%
HK$38,680
baseline
▲ 0.50% · 4.625%
HK$41,033
+HK$2,353/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,360/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,491
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,577
−HK$1,102/mo
Today · 4.125%
HK$42,679
baseline
▲ 0.50% · 4.625%
HK$44,929
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,358/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,677
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,035
−HK$1,380/mo
Today · 4.125%
HK$46,415
baseline
▲ 0.50% · 4.625%
HK$49,240
+HK$2,825/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$92,830/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,590
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,893
−HK$1,322/mo
Today · 4.125%
HK$51,215
baseline
▲ 0.50% · 4.625%
HK$53,914
+HK$2,699/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$102,430/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,956
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,541
−HK$1,610/mo
Today · 4.125%
HK$54,151
baseline
▲ 0.50% · 4.625%
HK$57,446
+HK$3,295/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,302/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,688
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,208
−HK$1,543/mo
Today · 4.125%
HK$59,751
baseline
▲ 0.50% · 4.625%
HK$62,900
+HK$3,149/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,502/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,515
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,553
−HK$2,070/mo
Today · 4.125%
HK$69,623
baseline
▲ 0.50% · 4.625%
HK$73,860
+HK$4,237/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,246/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,885
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,839
−HK$1,983/mo
Today · 4.125%
HK$76,822
baseline
▲ 0.50% · 4.625%
HK$80,872
+HK$4,050/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,644/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,570 · Scale 2, in force from 26 Feb 2026)