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$36,451
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,584
−HK$1,152/mo
Today · 4.125%
HK$38,736
baseline
▲ 0.50% · 4.625%
HK$41,093
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,472/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,551
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,638
−HK$1,104/mo
Today · 4.125%
HK$42,742
baseline
▲ 0.50% · 4.625%
HK$44,995
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,484/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,741
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,101
−HK$1,383/mo
Today · 4.125%
HK$46,484
baseline
▲ 0.50% · 4.625%
HK$49,312
+HK$2,828/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,968/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,661
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,966
−HK$1,324/mo
Today · 4.125%
HK$51,290
baseline
▲ 0.50% · 4.625%
HK$53,994
+HK$2,704/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,580/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,031
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,618
−HK$1,613/mo
Today · 4.125%
HK$54,231
baseline
▲ 0.50% · 4.625%
HK$57,531
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,462/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,771
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,294
−HK$1,544/mo
Today · 4.125%
HK$59,838
baseline
▲ 0.50% · 4.625%
HK$62,993
+HK$3,155/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,676/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,611
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,652
−HK$2,073/mo
Today · 4.125%
HK$69,725
baseline
▲ 0.50% · 4.625%
HK$73,968
+HK$4,243/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,450/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,992
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,949
−HK$1,986/mo
Today · 4.125%
HK$76,935
baseline
▲ 0.50% · 4.625%
HK$80,990
+HK$4,055/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,870/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,449 · Scale 2, in force from 26 Feb 2026)