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$36,456
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,590
−HK$1,153/mo
Today · 4.125%
HK$38,743
baseline
▲ 0.50% · 4.625%
HK$41,100
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,486/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,557
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,645
−HK$1,104/mo
Today · 4.125%
HK$42,749
baseline
▲ 0.50% · 4.625%
HK$45,002
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,498/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,748
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,109
−HK$1,382/mo
Today · 4.125%
HK$46,491
baseline
▲ 0.50% · 4.625%
HK$49,320
+HK$2,829/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$92,982/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,669
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,974
−HK$1,324/mo
Today · 4.125%
HK$51,298
baseline
▲ 0.50% · 4.625%
HK$54,002
+HK$2,704/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$102,596/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,039
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,627
−HK$1,613/mo
Today · 4.125%
HK$54,240
baseline
▲ 0.50% · 4.625%
HK$57,540
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,480/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,780
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,303
−HK$1,545/mo
Today · 4.125%
HK$59,848
baseline
▲ 0.50% · 4.625%
HK$63,003
+HK$3,155/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,696/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,622
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,663
−HK$2,074/mo
Today · 4.125%
HK$69,737
baseline
▲ 0.50% · 4.625%
HK$73,980
+HK$4,243/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,474/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,003
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,961
−HK$1,987/mo
Today · 4.125%
HK$76,948
baseline
▲ 0.50% · 4.625%
HK$81,004
+HK$4,056/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,896/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,546 · Scale 2, in force from 26 Feb 2026)