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$36,343
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,474
−HK$1,148/mo
Today · 4.125%
HK$38,622
baseline
▲ 0.50% · 4.625%
HK$40,972
+HK$2,350/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,244/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,431
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,516
−HK$1,100/mo
Today · 4.125%
HK$42,616
baseline
▲ 0.50% · 4.625%
HK$44,862
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,232/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,612
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,968
−HK$1,379/mo
Today · 4.125%
HK$46,347
baseline
▲ 0.50% · 4.625%
HK$49,167
+HK$2,820/mo
Deposit HK$6.38M · loan HK$9.56M · min. income ≈ HK$92,694/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,518
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,819
−HK$1,320/mo
Today · 4.125%
HK$51,139
baseline
▲ 0.50% · 4.625%
HK$53,834
+HK$2,695/mo
Deposit HK$6.38M · loan HK$9.56M · min. income ≈ HK$102,278/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,880
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,463
−HK$1,608/mo
Today · 4.125%
HK$54,071
baseline
▲ 0.50% · 4.625%
HK$57,361
+HK$3,290/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,142/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,604
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,122
−HK$1,540/mo
Today · 4.125%
HK$59,662
baseline
▲ 0.50% · 4.625%
HK$62,807
+HK$3,145/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,324/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,418
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,452
−HK$2,068/mo
Today · 4.125%
HK$69,520
baseline
▲ 0.50% · 4.625%
HK$73,750
+HK$4,230/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$139,040/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,776
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,728
−HK$1,980/mo
Today · 4.125%
HK$76,708
baseline
▲ 0.50% · 4.625%
HK$80,752
+HK$4,044/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,416/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,682 · Scale 2, in force from 26 Feb 2026)