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$36,454
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,588
−HK$1,152/mo
Today · 4.125%
HK$38,740
baseline
▲ 0.50% · 4.625%
HK$41,097
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,480/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,555
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,642
−HK$1,104/mo
Today · 4.125%
HK$42,746
baseline
▲ 0.50% · 4.625%
HK$44,999
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,492/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,745
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,105
−HK$1,383/mo
Today · 4.125%
HK$46,488
baseline
▲ 0.50% · 4.625%
HK$49,317
+HK$2,829/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,976/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,666
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,971
−HK$1,324/mo
Today · 4.125%
HK$51,295
baseline
▲ 0.50% · 4.625%
HK$53,999
+HK$2,704/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,590/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,036
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,623
−HK$1,613/mo
Today · 4.125%
HK$54,236
baseline
▲ 0.50% · 4.625%
HK$57,536
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,472/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,777
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,299
−HK$1,545/mo
Today · 4.125%
HK$59,844
baseline
▲ 0.50% · 4.625%
HK$62,998
+HK$3,154/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,688/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,617
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,658
−HK$2,074/mo
Today · 4.125%
HK$69,732
baseline
▲ 0.50% · 4.625%
HK$73,975
+HK$4,243/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,464/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,998
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,956
−HK$1,986/mo
Today · 4.125%
HK$76,942
baseline
▲ 0.50% · 4.625%
HK$80,998
+HK$4,056/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,884/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,505 · Scale 2, in force from 26 Feb 2026)