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$36,458
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,592
−HK$1,153/mo
Today · 4.125%
HK$38,745
baseline
▲ 0.50% · 4.625%
HK$41,102
+HK$2,357/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$599,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,560
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,647
−HK$1,104/mo
Today · 4.125%
HK$42,751
baseline
▲ 0.50% · 4.625%
HK$45,004
+HK$2,253/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$599,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,750
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,111
−HK$1,383/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$599,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,672
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,977
−HK$1,324/mo
Today · 4.125%
HK$51,301
baseline
▲ 0.50% · 4.625%
HK$54,005
+HK$2,704/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$102,602/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,042
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,629
−HK$1,614/mo
Today · 4.125%
HK$54,243
baseline
▲ 0.50% · 4.625%
HK$57,543
+HK$3,300/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$599,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,783
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,306
−HK$1,545/mo
Today · 4.125%
HK$59,851
baseline
▲ 0.50% · 4.625%
HK$63,006
+HK$3,155/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,702/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,625
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,666
−HK$2,074/mo
Today · 4.125%
HK$69,740
baseline
▲ 0.50% · 4.625%
HK$73,984
+HK$4,244/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,480/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,007
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,965
−HK$1,987/mo
Today · 4.125%
HK$76,952
baseline
▲ 0.50% · 4.625%
HK$81,008
+HK$4,056/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,904/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,578 · Scale 2, in force from 26 Feb 2026)