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$36,342
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,472
−HK$1,148/mo
Today · 4.125%
HK$38,620
baseline
▲ 0.50% · 4.625%
HK$40,970
+HK$2,350/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,240/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,430
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,514
−HK$1,100/mo
Today · 4.125%
HK$42,614
baseline
▲ 0.50% · 4.625%
HK$44,860
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,228/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,610
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,966
−HK$1,379/mo
Today · 4.125%
HK$46,345
baseline
▲ 0.50% · 4.625%
HK$49,165
+HK$2,820/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,690/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,516
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,817
−HK$1,320/mo
Today · 4.125%
HK$51,137
baseline
▲ 0.50% · 4.625%
HK$53,832
+HK$2,695/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,274/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,878
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,461
−HK$1,608/mo
Today · 4.125%
HK$54,069
baseline
▲ 0.50% · 4.625%
HK$57,359
+HK$3,290/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,138/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,601
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,119
−HK$1,540/mo
Today · 4.125%
HK$59,659
baseline
▲ 0.50% · 4.625%
HK$62,804
+HK$3,145/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,318/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,415
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,450
−HK$2,067/mo
Today · 4.125%
HK$69,517
baseline
▲ 0.50% · 4.625%
HK$73,747
+HK$4,230/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$139,034/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,773
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,725
−HK$1,980/mo
Today · 4.125%
HK$76,705
baseline
▲ 0.50% · 4.625%
HK$80,748
+HK$4,043/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,410/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,656 · Scale 2, in force from 26 Feb 2026)