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$36,433
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,566
−HK$1,152/mo
Today · 4.125%
HK$38,718
baseline
▲ 0.50% · 4.625%
HK$41,074
+HK$2,356/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,436/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,531
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,619
−HK$1,102/mo
Today · 4.125%
HK$42,721
baseline
▲ 0.50% · 4.625%
HK$44,973
+HK$2,252/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,442/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,720
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,080
−HK$1,381/mo
Today · 4.125%
HK$46,461
baseline
▲ 0.50% · 4.625%
HK$49,288
+HK$2,827/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,922/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,638
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,942
−HK$1,324/mo
Today · 4.125%
HK$51,266
baseline
▲ 0.50% · 4.625%
HK$53,968
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,532/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,006
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,593
−HK$1,612/mo
Today · 4.125%
HK$54,205
baseline
▲ 0.50% · 4.625%
HK$57,503
+HK$3,298/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,410/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,744
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,266
−HK$1,544/mo
Today · 4.125%
HK$59,810
baseline
▲ 0.50% · 4.625%
HK$62,962
+HK$3,152/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,620/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,580
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,620
−HK$2,072/mo
Today · 4.125%
HK$69,692
baseline
▲ 0.50% · 4.625%
HK$73,933
+HK$4,241/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,384/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,957
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,913
−HK$1,985/mo
Today · 4.125%
HK$76,898
baseline
▲ 0.50% · 4.625%
HK$80,952
+HK$4,054/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,796/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,162 · Scale 2, in force from 26 Feb 2026)