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$36,358
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,489
−HK$1,149/mo
Today · 4.125%
HK$38,638
baseline
▲ 0.50% · 4.625%
HK$40,989
+HK$2,351/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,276/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,448
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,533
−HK$1,100/mo
Today · 4.125%
HK$42,633
baseline
▲ 0.50% · 4.625%
HK$44,880
+HK$2,247/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,266/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,629
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,987
−HK$1,378/mo
Today · 4.125%
HK$46,365
baseline
▲ 0.50% · 4.625%
HK$49,187
+HK$2,822/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,730/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$597,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,537
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,839
−HK$1,321/mo
Today · 4.125%
HK$51,160
baseline
▲ 0.50% · 4.625%
HK$53,856
+HK$2,696/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,320/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$597,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,901
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,484
−HK$1,609/mo
Today · 4.125%
HK$54,093
baseline
▲ 0.50% · 4.625%
HK$57,384
+HK$3,291/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,186/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,627
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,146
−HK$1,540/mo
Today · 4.125%
HK$59,686
baseline
▲ 0.50% · 4.625%
HK$62,832
+HK$3,146/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,372/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,444
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,480
−HK$2,068/mo
Today · 4.125%
HK$69,548
baseline
▲ 0.50% · 4.625%
HK$73,780
+HK$4,232/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,096/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,806
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,759
−HK$1,980/mo
Today · 4.125%
HK$76,739
baseline
▲ 0.50% · 4.625%
HK$80,784
+HK$4,045/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,478/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,924 · Scale 2, in force from 26 Feb 2026)