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$36,345
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,475
−HK$1,149/mo
Today · 4.125%
HK$38,624
baseline
▲ 0.50% · 4.625%
HK$40,974
+HK$2,350/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,248/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,433
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,518
−HK$1,100/mo
Today · 4.125%
HK$42,618
baseline
▲ 0.50% · 4.625%
HK$44,864
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,236/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,614
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,970
−HK$1,379/mo
Today · 4.125%
HK$46,349
baseline
▲ 0.50% · 4.625%
HK$49,169
+HK$2,820/mo
Deposit HK$6.38M · loan HK$9.56M · min. income ≈ HK$92,698/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,520
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,821
−HK$1,320/mo
Today · 4.125%
HK$51,141
baseline
▲ 0.50% · 4.625%
HK$53,837
+HK$2,696/mo
Deposit HK$6.38M · loan HK$9.56M · min. income ≈ HK$102,282/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,883
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,465
−HK$1,608/mo
Today · 4.125%
HK$54,073
baseline
▲ 0.50% · 4.625%
HK$57,364
+HK$3,291/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,146/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,606
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,125
−HK$1,540/mo
Today · 4.125%
HK$59,665
baseline
▲ 0.50% · 4.625%
HK$62,810
+HK$3,145/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,330/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,421
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,455
−HK$2,068/mo
Today · 4.125%
HK$69,523
baseline
▲ 0.50% · 4.625%
HK$73,753
+HK$4,230/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$139,046/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,780
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,732
−HK$1,980/mo
Today · 4.125%
HK$76,712
baseline
▲ 0.50% · 4.625%
HK$80,755
+HK$4,043/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,424/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,708 · Scale 2, in force from 26 Feb 2026)