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$36,393
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,525
−HK$1,150/mo
Today · 4.125%
HK$38,675
baseline
▲ 0.50% · 4.625%
HK$41,028
+HK$2,353/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,350/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,487
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,573
−HK$1,101/mo
Today · 4.125%
HK$42,674
baseline
▲ 0.50% · 4.625%
HK$44,924
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,348/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,672
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,030
−HK$1,380/mo
Today · 4.125%
HK$46,410
baseline
▲ 0.50% · 4.625%
HK$49,234
+HK$2,824/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$92,820/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,584
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,887
−HK$1,322/mo
Today · 4.125%
HK$51,209
baseline
▲ 0.50% · 4.625%
HK$53,908
+HK$2,699/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$102,418/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,950
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,535
−HK$1,610/mo
Today · 4.125%
HK$54,145
baseline
▲ 0.50% · 4.625%
HK$57,440
+HK$3,295/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,290/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,681
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,202
−HK$1,542/mo
Today · 4.125%
HK$59,744
baseline
▲ 0.50% · 4.625%
HK$62,893
+HK$3,149/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,488/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,507
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,545
−HK$2,070/mo
Today · 4.125%
HK$69,615
baseline
▲ 0.50% · 4.625%
HK$73,851
+HK$4,236/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,230/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,876
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,831
−HK$1,982/mo
Today · 4.125%
HK$76,813
baseline
▲ 0.50% · 4.625%
HK$80,862
+HK$4,049/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,626/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,501 · Scale 2, in force from 26 Feb 2026)