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$36,416
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,549
−HK$1,150/mo
Today · 4.125%
HK$38,699
baseline
▲ 0.50% · 4.625%
HK$41,054
+HK$2,355/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,398/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,512
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,599
−HK$1,102/mo
Today · 4.125%
HK$42,701
baseline
▲ 0.50% · 4.625%
HK$44,952
+HK$2,251/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,402/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,699
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,058
−HK$1,381/mo
Today · 4.125%
HK$46,439
baseline
▲ 0.50% · 4.625%
HK$49,265
+HK$2,826/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,878/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,615
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,919
−HK$1,322/mo
Today · 4.125%
HK$51,241
baseline
▲ 0.50% · 4.625%
HK$53,942
+HK$2,701/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,482/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,982
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,568
−HK$1,611/mo
Today · 4.125%
HK$54,179
baseline
▲ 0.50% · 4.625%
HK$57,476
+HK$3,297/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,358/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,717
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,238
−HK$1,543/mo
Today · 4.125%
HK$59,781
baseline
▲ 0.50% · 4.625%
HK$62,933
+HK$3,152/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,562/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,549
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,588
−HK$2,071/mo
Today · 4.125%
HK$69,659
baseline
▲ 0.50% · 4.625%
HK$73,898
+HK$4,239/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,318/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,922
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,878
−HK$1,984/mo
Today · 4.125%
HK$76,862
baseline
▲ 0.50% · 4.625%
HK$80,913
+HK$4,051/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,724/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,879 · Scale 2, in force from 26 Feb 2026)