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$36,399
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,531
−HK$1,151/mo
Today · 4.125%
HK$38,682
baseline
▲ 0.50% · 4.625%
HK$41,035
+HK$2,353/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,364/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,494
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,580
−HK$1,101/mo
Today · 4.125%
HK$42,681
baseline
▲ 0.50% · 4.625%
HK$44,931
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,362/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,679
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,038
−HK$1,380/mo
Today · 4.125%
HK$46,418
baseline
▲ 0.50% · 4.625%
HK$49,242
+HK$2,824/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,836/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,592
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,896
−HK$1,322/mo
Today · 4.125%
HK$51,218
baseline
▲ 0.50% · 4.625%
HK$53,917
+HK$2,699/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,436/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,959
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,544
−HK$1,610/mo
Today · 4.125%
HK$54,154
baseline
▲ 0.50% · 4.625%
HK$57,449
+HK$3,295/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,308/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,691
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,212
−HK$1,542/mo
Today · 4.125%
HK$59,754
baseline
▲ 0.50% · 4.625%
HK$62,904
+HK$3,150/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,508/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,518
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,556
−HK$2,071/mo
Today · 4.125%
HK$69,627
baseline
▲ 0.50% · 4.625%
HK$73,864
+HK$4,237/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,254/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,889
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,843
−HK$1,983/mo
Today · 4.125%
HK$76,826
baseline
▲ 0.50% · 4.625%
HK$80,876
+HK$4,050/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,652/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,602 · Scale 2, in force from 26 Feb 2026)