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$36,406
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,539
−HK$1,150/mo
Today · 4.125%
HK$38,689
baseline
▲ 0.50% · 4.625%
HK$41,044
+HK$2,355/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,378/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,502
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,588
−HK$1,102/mo
Today · 4.125%
HK$42,690
baseline
▲ 0.50% · 4.625%
HK$44,940
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,380/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,688
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,047
−HK$1,380/mo
Today · 4.125%
HK$46,427
baseline
▲ 0.50% · 4.625%
HK$49,252
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,854/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,602
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,906
−HK$1,322/mo
Today · 4.125%
HK$51,228
baseline
▲ 0.50% · 4.625%
HK$53,928
+HK$2,700/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,456/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,969
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,554
−HK$1,611/mo
Today · 4.125%
HK$54,165
baseline
▲ 0.50% · 4.625%
HK$57,461
+HK$3,296/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,330/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,703
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,223
−HK$1,543/mo
Today · 4.125%
HK$59,766
baseline
▲ 0.50% · 4.625%
HK$62,916
+HK$3,150/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,532/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,532
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,570
−HK$2,071/mo
Today · 4.125%
HK$69,641
baseline
▲ 0.50% · 4.625%
HK$73,879
+HK$4,238/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,282/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,903
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,859
−HK$1,983/mo
Today · 4.125%
HK$76,842
baseline
▲ 0.50% · 4.625%
HK$80,892
+HK$4,050/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,684/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,724 · Scale 2, in force from 26 Feb 2026)