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$36,441
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,575
−HK$1,152/mo
Today · 4.125%
HK$38,727
baseline
▲ 0.50% · 4.625%
HK$41,083
+HK$2,356/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,454/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,541
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,628
−HK$1,103/mo
Today · 4.125%
HK$42,731
baseline
▲ 0.50% · 4.625%
HK$44,983
+HK$2,252/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,462/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,730
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,090
−HK$1,382/mo
Today · 4.125%
HK$46,472
baseline
▲ 0.50% · 4.625%
HK$49,300
+HK$2,828/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,944/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,649
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,954
−HK$1,323/mo
Today · 4.125%
HK$51,277
baseline
▲ 0.50% · 4.625%
HK$53,980
+HK$2,703/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,554/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,018
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,605
−HK$1,612/mo
Today · 4.125%
HK$54,217
baseline
▲ 0.50% · 4.625%
HK$57,516
+HK$3,299/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$108,434/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,757
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,279
−HK$1,544/mo
Today · 4.125%
HK$59,823
baseline
▲ 0.50% · 4.625%
HK$62,977
+HK$3,154/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$119,646/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,595
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,635
−HK$2,073/mo
Today · 4.125%
HK$69,708
baseline
▲ 0.50% · 4.625%
HK$73,949
+HK$4,241/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,416/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,973
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,930
−HK$1,986/mo
Today · 4.125%
HK$76,916
baseline
▲ 0.50% · 4.625%
HK$80,970
+HK$4,054/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,832/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,298 · Scale 2, in force from 26 Feb 2026)