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$36,430
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,563
−HK$1,152/mo
Today · 4.125%
HK$38,715
baseline
▲ 0.50% · 4.625%
HK$41,070
+HK$2,355/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,430/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,528
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,615
−HK$1,103/mo
Today · 4.125%
HK$42,718
baseline
▲ 0.50% · 4.625%
HK$44,970
+HK$2,252/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,436/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,716
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,076
−HK$1,382/mo
Today · 4.125%
HK$46,458
baseline
▲ 0.50% · 4.625%
HK$49,284
+HK$2,826/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,916/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,634
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,938
−HK$1,323/mo
Today · 4.125%
HK$51,261
baseline
▲ 0.50% · 4.625%
HK$53,963
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,522/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,002
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,589
−HK$1,612/mo
Today · 4.125%
HK$54,201
baseline
▲ 0.50% · 4.625%
HK$57,499
+HK$3,298/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,402/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,740
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,261
−HK$1,544/mo
Today · 4.125%
HK$59,805
baseline
▲ 0.50% · 4.625%
HK$62,957
+HK$3,152/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,610/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,574
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,614
−HK$2,072/mo
Today · 4.125%
HK$69,686
baseline
▲ 0.50% · 4.625%
HK$73,927
+HK$4,241/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,372/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,951
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,907
−HK$1,985/mo
Today · 4.125%
HK$76,892
baseline
▲ 0.50% · 4.625%
HK$80,945
+HK$4,053/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,784/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,114 · Scale 2, in force from 26 Feb 2026)