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$36,460
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,594
−HK$1,152/mo
Today · 4.125%
HK$38,746
baseline
▲ 0.50% · 4.625%
HK$41,104
+HK$2,358/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,492/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,561
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,649
−HK$1,104/mo
Today · 4.125%
HK$42,753
baseline
▲ 0.50% · 4.625%
HK$45,006
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,506/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,752
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,113
−HK$1,382/mo
Today · 4.125%
HK$46,495
baseline
▲ 0.50% · 4.625%
HK$49,324
+HK$2,829/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$92,990/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,673
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,979
−HK$1,324/mo
Today · 4.125%
HK$51,303
baseline
▲ 0.50% · 4.625%
HK$54,007
+HK$2,704/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$102,606/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,044
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,631
−HK$1,614/mo
Today · 4.125%
HK$54,245
baseline
▲ 0.50% · 4.625%
HK$57,545
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,490/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,786
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,309
−HK$1,545/mo
Today · 4.125%
HK$59,854
baseline
▲ 0.50% · 4.625%
HK$63,008
+HK$3,154/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,708/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,628
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,669
−HK$2,074/mo
Today · 4.125%
HK$69,743
baseline
▲ 0.50% · 4.625%
HK$73,987
+HK$4,244/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,486/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,010
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,968
−HK$1,987/mo
Today · 4.125%
HK$76,955
baseline
▲ 0.50% · 4.625%
HK$81,011
+HK$4,056/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,910/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,600 · Scale 2, in force from 26 Feb 2026)