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$36,388
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,520
−HK$1,150/mo
Today · 4.125%
HK$38,670
baseline
▲ 0.50% · 4.625%
HK$41,023
+HK$2,353/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,340/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,481
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,567
−HK$1,101/mo
Today · 4.125%
HK$42,668
baseline
▲ 0.50% · 4.625%
HK$44,917
+HK$2,249/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,336/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,665
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,024
−HK$1,380/mo
Today · 4.125%
HK$46,404
baseline
▲ 0.50% · 4.625%
HK$49,227
+HK$2,823/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,808/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,577
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,880
−HK$1,322/mo
Today · 4.125%
HK$51,202
baseline
▲ 0.50% · 4.625%
HK$53,901
+HK$2,699/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,404/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,943
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,527
−HK$1,610/mo
Today · 4.125%
HK$54,137
baseline
▲ 0.50% · 4.625%
HK$57,432
+HK$3,295/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,274/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,673
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,193
−HK$1,542/mo
Today · 4.125%
HK$59,735
baseline
▲ 0.50% · 4.625%
HK$62,884
+HK$3,149/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,470/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,498
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,535
−HK$2,070/mo
Today · 4.125%
HK$69,605
baseline
▲ 0.50% · 4.625%
HK$73,841
+HK$4,236/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,210/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,866
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,820
−HK$1,983/mo
Today · 4.125%
HK$76,803
baseline
▲ 0.50% · 4.625%
HK$80,851
+HK$4,048/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,606/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,416 · Scale 2, in force from 26 Feb 2026)