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$36,381
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,512
−HK$1,150/mo
Today · 4.125%
HK$38,662
baseline
▲ 0.50% · 4.625%
HK$41,014
+HK$2,352/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,324/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,473
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,559
−HK$1,101/mo
Today · 4.125%
HK$42,660
baseline
▲ 0.50% · 4.625%
HK$44,908
+HK$2,248/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,320/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,657
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,015
−HK$1,379/mo
Today · 4.125%
HK$46,394
baseline
▲ 0.50% · 4.625%
HK$49,217
+HK$2,823/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,788/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,568
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,870
−HK$1,322/mo
Today · 4.125%
HK$51,192
baseline
▲ 0.50% · 4.625%
HK$53,890
+HK$2,698/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,384/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,933
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,517
−HK$1,610/mo
Today · 4.125%
HK$54,127
baseline
▲ 0.50% · 4.625%
HK$57,420
+HK$3,293/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,254/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,662
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,182
−HK$1,542/mo
Today · 4.125%
HK$59,724
baseline
▲ 0.50% · 4.625%
HK$62,872
+HK$3,148/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,448/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,485
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,522
−HK$2,070/mo
Today · 4.125%
HK$69,592
baseline
▲ 0.50% · 4.625%
HK$73,826
+HK$4,234/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,184/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,851
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,805
−HK$1,982/mo
Today · 4.125%
HK$76,787
baseline
▲ 0.50% · 4.625%
HK$80,835
+HK$4,048/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,574/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,298 · Scale 2, in force from 26 Feb 2026)