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$36,364
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,495
−HK$1,149/mo
Today · 4.125%
HK$38,644
baseline
▲ 0.50% · 4.625%
HK$40,995
+HK$2,351/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,288/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,454
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,539
−HK$1,101/mo
Today · 4.125%
HK$42,640
baseline
▲ 0.50% · 4.625%
HK$44,887
+HK$2,247/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,280/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,636
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,994
−HK$1,379/mo
Today · 4.125%
HK$46,373
baseline
▲ 0.50% · 4.625%
HK$49,194
+HK$2,821/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,746/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,545
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,847
−HK$1,321/mo
Today · 4.125%
HK$51,168
baseline
▲ 0.50% · 4.625%
HK$53,865
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,336/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,909
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,493
−HK$1,609/mo
Today · 4.125%
HK$54,102
baseline
▲ 0.50% · 4.625%
HK$57,393
+HK$3,291/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,204/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,636
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,155
−HK$1,541/mo
Today · 4.125%
HK$59,696
baseline
▲ 0.50% · 4.625%
HK$62,842
+HK$3,146/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,392/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,455
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,491
−HK$2,068/mo
Today · 4.125%
HK$69,559
baseline
▲ 0.50% · 4.625%
HK$73,792
+HK$4,233/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,118/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,818
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,770
−HK$1,982/mo
Today · 4.125%
HK$76,752
baseline
▲ 0.50% · 4.625%
HK$80,797
+HK$4,045/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,504/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,019 · Scale 2, in force from 26 Feb 2026)