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$36,347
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,477
−HK$1,149/mo
Today · 4.125%
HK$38,626
baseline
▲ 0.50% · 4.625%
HK$40,976
+HK$2,350/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,252/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,435
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,520
−HK$1,100/mo
Today · 4.125%
HK$42,620
baseline
▲ 0.50% · 4.625%
HK$44,866
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,240/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,616
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,973
−HK$1,378/mo
Today · 4.125%
HK$46,351
baseline
▲ 0.50% · 4.625%
HK$49,171
+HK$2,820/mo
Deposit HK$6.38M · loan HK$9.56M · min. income ≈ HK$92,702/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,522
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,823
−HK$1,321/mo
Today · 4.125%
HK$51,144
baseline
▲ 0.50% · 4.625%
HK$53,840
+HK$2,696/mo
Deposit HK$6.38M · loan HK$9.56M · min. income ≈ HK$102,288/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,885
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,468
−HK$1,608/mo
Today · 4.125%
HK$54,076
baseline
▲ 0.50% · 4.625%
HK$57,366
+HK$3,290/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,152/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,609
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,127
−HK$1,541/mo
Today · 4.125%
HK$59,668
baseline
▲ 0.50% · 4.625%
HK$62,813
+HK$3,145/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,336/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,424
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,459
−HK$2,067/mo
Today · 4.125%
HK$69,526
baseline
▲ 0.50% · 4.625%
HK$73,757
+HK$4,231/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,052/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,783
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,735
−HK$1,980/mo
Today · 4.125%
HK$76,715
baseline
▲ 0.50% · 4.625%
HK$80,759
+HK$4,044/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,430/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,738 · Scale 2, in force from 26 Feb 2026)