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$36,435
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,568
−HK$1,152/mo
Today · 4.125%
HK$38,720
baseline
▲ 0.50% · 4.625%
HK$41,076
+HK$2,356/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,440/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,533
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,621
−HK$1,102/mo
Today · 4.125%
HK$42,723
baseline
▲ 0.50% · 4.625%
HK$44,975
+HK$2,252/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,446/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,722
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,082
−HK$1,382/mo
Today · 4.125%
HK$46,464
baseline
▲ 0.50% · 4.625%
HK$49,291
+HK$2,827/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,928/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,640
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,945
−HK$1,323/mo
Today · 4.125%
HK$51,268
baseline
▲ 0.50% · 4.625%
HK$53,970
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,536/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,009
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,596
−HK$1,612/mo
Today · 4.125%
HK$54,208
baseline
▲ 0.50% · 4.625%
HK$57,506
+HK$3,298/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,416/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,747
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,269
−HK$1,544/mo
Today · 4.125%
HK$59,813
baseline
▲ 0.50% · 4.625%
HK$62,965
+HK$3,152/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,626/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,583
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,623
−HK$2,072/mo
Today · 4.125%
HK$69,695
baseline
▲ 0.50% · 4.625%
HK$73,936
+HK$4,241/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,390/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,960
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,917
−HK$1,985/mo
Today · 4.125%
HK$76,902
baseline
▲ 0.50% · 4.625%
HK$80,956
+HK$4,054/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,804/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,191 · Scale 2, in force from 26 Feb 2026)