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$36,417
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,549
−HK$1,151/mo
Today · 4.125%
HK$38,700
baseline
▲ 0.50% · 4.625%
HK$41,055
+HK$2,355/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,400/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,513
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,600
−HK$1,102/mo
Today · 4.125%
HK$42,702
baseline
▲ 0.50% · 4.625%
HK$44,953
+HK$2,251/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,404/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,700
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,059
−HK$1,381/mo
Today · 4.125%
HK$46,440
baseline
▲ 0.50% · 4.625%
HK$49,266
+HK$2,826/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,880/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,616
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,920
−HK$1,322/mo
Today · 4.125%
HK$51,242
baseline
▲ 0.50% · 4.625%
HK$53,943
+HK$2,701/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,484/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,983
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,569
−HK$1,611/mo
Today · 4.125%
HK$54,180
baseline
▲ 0.50% · 4.625%
HK$57,477
+HK$3,297/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,360/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,718
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,239
−HK$1,544/mo
Today · 4.125%
HK$59,783
baseline
▲ 0.50% · 4.625%
HK$62,934
+HK$3,151/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,566/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,550
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,589
−HK$2,071/mo
Today · 4.125%
HK$69,660
baseline
▲ 0.50% · 4.625%
HK$73,899
+HK$4,239/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,320/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,924
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,879
−HK$1,984/mo
Today · 4.125%
HK$76,863
baseline
▲ 0.50% · 4.625%
HK$80,915
+HK$4,052/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,726/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,890 · Scale 2, in force from 26 Feb 2026)