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$36,335
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,465
−HK$1,148/mo
Today · 4.125%
HK$38,613
baseline
▲ 0.50% · 4.625%
HK$40,963
+HK$2,350/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,226/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,422
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,506
−HK$1,100/mo
Today · 4.125%
HK$42,606
baseline
▲ 0.50% · 4.625%
HK$44,852
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,212/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,602
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,958
−HK$1,378/mo
Today · 4.125%
HK$46,336
baseline
▲ 0.50% · 4.625%
HK$49,155
+HK$2,819/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,672/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,506
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,807
−HK$1,320/mo
Today · 4.125%
HK$51,127
baseline
▲ 0.50% · 4.625%
HK$53,822
+HK$2,695/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,254/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,869
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,451
−HK$1,607/mo
Today · 4.125%
HK$54,058
baseline
▲ 0.50% · 4.625%
HK$57,348
+HK$3,290/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,116/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,591
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,109
−HK$1,539/mo
Today · 4.125%
HK$59,648
baseline
▲ 0.50% · 4.625%
HK$62,792
+HK$3,144/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,296/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,402
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,437
−HK$2,067/mo
Today · 4.125%
HK$69,504
baseline
▲ 0.50% · 4.625%
HK$73,733
+HK$4,229/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$139,008/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,760
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,711
−HK$1,980/mo
Today · 4.125%
HK$76,691
baseline
▲ 0.50% · 4.625%
HK$80,733
+HK$4,042/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,382/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,543 · Scale 2, in force from 26 Feb 2026)