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$36,461
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,595
−HK$1,152/mo
Today · 4.125%
HK$38,747
baseline
▲ 0.50% · 4.625%
HK$41,105
+HK$2,358/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,494/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,562
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,650
−HK$1,103/mo
Today · 4.125%
HK$42,753
baseline
▲ 0.50% · 4.625%
HK$45,007
+HK$2,254/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$599,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,753
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,114
−HK$1,382/mo
Today · 4.125%
HK$46,496
baseline
▲ 0.50% · 4.625%
HK$49,326
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$92,992/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,674
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,980
−HK$1,324/mo
Today · 4.125%
HK$51,304
baseline
▲ 0.50% · 4.625%
HK$54,008
+HK$2,704/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$102,608/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,045
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,633
−HK$1,613/mo
Today · 4.125%
HK$54,246
baseline
▲ 0.50% · 4.625%
HK$57,546
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,492/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,787
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,310
−HK$1,545/mo
Today · 4.125%
HK$59,855
baseline
▲ 0.50% · 4.625%
HK$63,010
+HK$3,155/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,710/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,629
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,670
−HK$2,074/mo
Today · 4.125%
HK$69,744
baseline
▲ 0.50% · 4.625%
HK$73,988
+HK$4,244/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,488/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,012
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,970
−HK$1,986/mo
Today · 4.125%
HK$76,956
baseline
▲ 0.50% · 4.625%
HK$81,013
+HK$4,057/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,912/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,613 · Scale 2, in force from 26 Feb 2026)