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$36,438
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,572
−HK$1,151/mo
Today · 4.125%
HK$38,723
baseline
▲ 0.50% · 4.625%
HK$41,079
+HK$2,356/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,446/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,537
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,624
−HK$1,103/mo
Today · 4.125%
HK$42,727
baseline
▲ 0.50% · 4.625%
HK$44,979
+HK$2,252/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,454/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,726
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,086
−HK$1,382/mo
Today · 4.125%
HK$46,468
baseline
▲ 0.50% · 4.625%
HK$49,295
+HK$2,827/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,936/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,645
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,949
−HK$1,324/mo
Today · 4.125%
HK$51,273
baseline
▲ 0.50% · 4.625%
HK$53,975
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,546/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,013
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,600
−HK$1,612/mo
Today · 4.125%
HK$54,212
baseline
▲ 0.50% · 4.625%
HK$57,511
+HK$3,299/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$108,424/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,752
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,274
−HK$1,544/mo
Today · 4.125%
HK$59,818
baseline
▲ 0.50% · 4.625%
HK$62,971
+HK$3,153/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$119,636/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,589
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,629
−HK$2,073/mo
Today · 4.125%
HK$69,702
baseline
▲ 0.50% · 4.625%
HK$73,943
+HK$4,241/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,404/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,967
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,924
−HK$1,985/mo
Today · 4.125%
HK$76,909
baseline
▲ 0.50% · 4.625%
HK$80,963
+HK$4,054/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,818/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,245 · Scale 2, in force from 26 Feb 2026)