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$36,327
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,457
−HK$1,148/mo
Today · 4.125%
HK$38,605
baseline
▲ 0.50% · 4.625%
HK$40,954
+HK$2,349/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,210/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,414
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,497
−HK$1,100/mo
Today · 4.125%
HK$42,597
baseline
▲ 0.50% · 4.625%
HK$44,842
+HK$2,245/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,194/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,593
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,949
−HK$1,377/mo
Today · 4.125%
HK$46,326
baseline
▲ 0.50% · 4.625%
HK$49,145
+HK$2,819/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,652/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,496
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,797
−HK$1,319/mo
Today · 4.125%
HK$51,116
baseline
▲ 0.50% · 4.625%
HK$53,811
+HK$2,695/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,232/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,858
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,440
−HK$1,607/mo
Today · 4.125%
HK$54,047
baseline
▲ 0.50% · 4.625%
HK$57,336
+HK$3,289/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,094/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,579
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,096
−HK$1,540/mo
Today · 4.125%
HK$59,636
baseline
▲ 0.50% · 4.625%
HK$62,779
+HK$3,143/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,272/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,389
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,423
−HK$2,066/mo
Today · 4.125%
HK$69,489
baseline
▲ 0.50% · 4.625%
HK$73,718
+HK$4,229/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$138,978/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,744
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,695
−HK$1,980/mo
Today · 4.125%
HK$76,675
baseline
▲ 0.50% · 4.625%
HK$80,716
+HK$4,041/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,350/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,419 · Scale 2, in force from 26 Feb 2026)