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$36,459
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,593
−HK$1,152/mo
Today · 4.125%
HK$38,745
baseline
▲ 0.50% · 4.625%
HK$41,103
+HK$2,358/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,490/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,560
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,648
−HK$1,103/mo
Today · 4.125%
HK$42,751
baseline
▲ 0.50% · 4.625%
HK$45,005
+HK$2,254/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,502/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,751
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,112
−HK$1,382/mo
Today · 4.125%
HK$46,494
baseline
▲ 0.50% · 4.625%
HK$49,323
+HK$2,829/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$92,988/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,672
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,977
−HK$1,325/mo
Today · 4.125%
HK$51,302
baseline
▲ 0.50% · 4.625%
HK$54,006
+HK$2,704/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$102,604/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,042
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,630
−HK$1,613/mo
Today · 4.125%
HK$54,243
baseline
▲ 0.50% · 4.625%
HK$57,544
+HK$3,301/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,486/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,784
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,307
−HK$1,545/mo
Today · 4.125%
HK$59,852
baseline
▲ 0.50% · 4.625%
HK$63,007
+HK$3,155/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,704/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,626
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,667
−HK$2,074/mo
Today · 4.125%
HK$69,741
baseline
▲ 0.50% · 4.625%
HK$73,985
+HK$4,244/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,482/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,008
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,966
−HK$1,987/mo
Today · 4.125%
HK$76,953
baseline
▲ 0.50% · 4.625%
HK$81,009
+HK$4,056/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,906/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,585 · Scale 2, in force from 26 Feb 2026)