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$36,337
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,467
−HK$1,148/mo
Today · 4.125%
HK$38,615
baseline
▲ 0.50% · 4.625%
HK$40,965
+HK$2,350/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,230/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,424
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,508
−HK$1,100/mo
Today · 4.125%
HK$42,608
baseline
▲ 0.50% · 4.625%
HK$44,854
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,216/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,604
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,960
−HK$1,378/mo
Today · 4.125%
HK$46,338
baseline
▲ 0.50% · 4.625%
HK$49,158
+HK$2,820/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,676/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,509
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,810
−HK$1,320/mo
Today · 4.125%
HK$51,130
baseline
▲ 0.50% · 4.625%
HK$53,825
+HK$2,695/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,260/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,871
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,454
−HK$1,607/mo
Today · 4.125%
HK$54,061
baseline
▲ 0.50% · 4.625%
HK$57,351
+HK$3,290/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,122/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,594
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,112
−HK$1,539/mo
Today · 4.125%
HK$59,651
baseline
▲ 0.50% · 4.625%
HK$62,796
+HK$3,145/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,302/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,406
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,441
−HK$2,067/mo
Today · 4.125%
HK$69,508
baseline
▲ 0.50% · 4.625%
HK$73,737
+HK$4,229/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$139,016/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,764
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,715
−HK$1,980/mo
Today · 4.125%
HK$76,695
baseline
▲ 0.50% · 4.625%
HK$80,737
+HK$4,042/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,390/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,576 · Scale 2, in force from 26 Feb 2026)