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$2,284/mo
▼ 0.25% · 3.875%
HK$37,565
−HK$1,151/mo
Today · 4.125%
HK$38,716
baseline
▲ 0.50% · 4.625%
HK$41,072
+HK$2,356/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,432/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,530
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,617
−HK$1,102/mo
Today · 4.125%
HK$42,719
baseline
▲ 0.50% · 4.625%
HK$44,971
+HK$2,252/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,438/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,718
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,078
−HK$1,381/mo
Today · 4.125%
HK$46,459
baseline
▲ 0.50% · 4.625%
HK$49,286
+HK$2,827/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,918/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,636
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,940
−HK$1,323/mo
Today · 4.125%
HK$51,263
baseline
▲ 0.50% · 4.625%
HK$53,966
+HK$2,703/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,526/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,004
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,591
−HK$1,612/mo
Today · 4.125%
HK$54,203
baseline
▲ 0.50% · 4.625%
HK$57,501
+HK$3,298/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,406/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,742
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,263
−HK$1,544/mo
Today · 4.125%
HK$59,807
baseline
▲ 0.50% · 4.625%
HK$62,960
+HK$3,153/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,614/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,577
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,617
−HK$2,072/mo
Today · 4.125%
HK$69,689
baseline
▲ 0.50% · 4.625%
HK$73,930
+HK$4,241/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,378/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,954
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,910
−HK$1,985/mo
Today · 4.125%
HK$76,895
baseline
▲ 0.50% · 4.625%
HK$80,948
+HK$4,053/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,790/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,137 · Scale 2, in force from 26 Feb 2026)