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$36,413
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,546
−HK$1,150/mo
Today · 4.125%
HK$38,696
baseline
▲ 0.50% · 4.625%
HK$41,051
+HK$2,355/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,392/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,509
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,596
−HK$1,102/mo
Today · 4.125%
HK$42,698
baseline
▲ 0.50% · 4.625%
HK$44,948
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,396/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,696
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,055
−HK$1,381/mo
Today · 4.125%
HK$46,436
baseline
▲ 0.50% · 4.625%
HK$49,261
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,872/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,611
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,915
−HK$1,322/mo
Today · 4.125%
HK$51,237
baseline
▲ 0.50% · 4.625%
HK$53,938
+HK$2,701/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,474/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,978
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,564
−HK$1,611/mo
Today · 4.125%
HK$54,175
baseline
▲ 0.50% · 4.625%
HK$57,471
+HK$3,296/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,350/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,713
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,234
−HK$1,543/mo
Today · 4.125%
HK$59,777
baseline
▲ 0.50% · 4.625%
HK$62,928
+HK$3,151/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,554/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,543
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,582
−HK$2,072/mo
Today · 4.125%
HK$69,654
baseline
▲ 0.50% · 4.625%
HK$73,892
+HK$4,238/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,308/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,916
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,872
−HK$1,984/mo
Today · 4.125%
HK$76,856
baseline
▲ 0.50% · 4.625%
HK$80,907
+HK$4,051/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,712/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,832 · Scale 2, in force from 26 Feb 2026)