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$36,361
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,492
−HK$1,149/mo
Today · 4.125%
HK$38,641
baseline
▲ 0.50% · 4.625%
HK$40,993
+HK$2,352/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,282/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,451
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,536
−HK$1,101/mo
Today · 4.125%
HK$42,637
baseline
▲ 0.50% · 4.625%
HK$44,884
+HK$2,247/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,274/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,633
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,991
−HK$1,379/mo
Today · 4.125%
HK$46,370
baseline
▲ 0.50% · 4.625%
HK$49,191
+HK$2,821/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,740/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$597,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,542
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,844
−HK$1,320/mo
Today · 4.125%
HK$51,164
baseline
▲ 0.50% · 4.625%
HK$53,861
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,328/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$597,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,906
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,489
−HK$1,609/mo
Today · 4.125%
HK$54,098
baseline
▲ 0.50% · 4.625%
HK$57,390
+HK$3,292/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,196/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,632
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,151
−HK$1,541/mo
Today · 4.125%
HK$59,692
baseline
▲ 0.50% · 4.625%
HK$62,838
+HK$3,146/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,384/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,450
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,486
−HK$2,068/mo
Today · 4.125%
HK$69,554
baseline
▲ 0.50% · 4.625%
HK$73,787
+HK$4,233/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,108/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,813
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,765
−HK$1,981/mo
Today · 4.125%
HK$76,746
baseline
▲ 0.50% · 4.625%
HK$80,792
+HK$4,046/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,492/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,979 · Scale 2, in force from 26 Feb 2026)