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$36,395
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,527
−HK$1,150/mo
Today · 4.125%
HK$38,677
baseline
▲ 0.50% · 4.625%
HK$41,031
+HK$2,354/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,354/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,489
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,575
−HK$1,101/mo
Today · 4.125%
HK$42,676
baseline
▲ 0.50% · 4.625%
HK$44,926
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,352/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,674
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,032
−HK$1,381/mo
Today · 4.125%
HK$46,413
baseline
▲ 0.50% · 4.625%
HK$49,237
+HK$2,824/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$92,826/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,587
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,890
−HK$1,322/mo
Today · 4.125%
HK$51,212
baseline
▲ 0.50% · 4.625%
HK$53,911
+HK$2,699/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$102,424/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,953
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,538
−HK$1,610/mo
Today · 4.125%
HK$54,148
baseline
▲ 0.50% · 4.625%
HK$57,443
+HK$3,295/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,296/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,684
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,205
−HK$1,542/mo
Today · 4.125%
HK$59,747
baseline
▲ 0.50% · 4.625%
HK$62,896
+HK$3,149/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,494/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,511
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,548
−HK$2,071/mo
Today · 4.125%
HK$69,619
baseline
▲ 0.50% · 4.625%
HK$73,855
+HK$4,236/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,238/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,880
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,835
−HK$1,983/mo
Today · 4.125%
HK$76,818
baseline
▲ 0.50% · 4.625%
HK$80,867
+HK$4,049/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,636/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,533 · Scale 2, in force from 26 Feb 2026)