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$36,441
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,575
−HK$1,151/mo
Today · 4.125%
HK$38,726
baseline
▲ 0.50% · 4.625%
HK$41,083
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,452/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,540
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,627
−HK$1,103/mo
Today · 4.125%
HK$42,730
baseline
▲ 0.50% · 4.625%
HK$44,983
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,460/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,729
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,089
−HK$1,382/mo
Today · 4.125%
HK$46,471
baseline
▲ 0.50% · 4.625%
HK$49,299
+HK$2,828/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,942/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,648
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,953
−HK$1,324/mo
Today · 4.125%
HK$51,277
baseline
▲ 0.50% · 4.625%
HK$53,979
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,554/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,017
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,604
−HK$1,613/mo
Today · 4.125%
HK$54,217
baseline
▲ 0.50% · 4.625%
HK$57,516
+HK$3,299/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$108,434/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,756
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,278
−HK$1,545/mo
Today · 4.125%
HK$59,823
baseline
▲ 0.50% · 4.625%
HK$62,976
+HK$3,153/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$119,646/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,594
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,634
−HK$2,073/mo
Today · 4.125%
HK$69,707
baseline
▲ 0.50% · 4.625%
HK$73,949
+HK$4,242/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,414/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,972
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,929
−HK$1,986/mo
Today · 4.125%
HK$76,915
baseline
▲ 0.50% · 4.625%
HK$80,969
+HK$4,054/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,830/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,291 · Scale 2, in force from 26 Feb 2026)