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$36,408
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,540
−HK$1,151/mo
Today · 4.125%
HK$38,691
baseline
▲ 0.50% · 4.625%
HK$41,045
+HK$2,354/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,382/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,503
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,589
−HK$1,102/mo
Today · 4.125%
HK$42,691
baseline
▲ 0.50% · 4.625%
HK$44,942
+HK$2,251/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,382/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,689
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,048
−HK$1,381/mo
Today · 4.125%
HK$46,429
baseline
▲ 0.50% · 4.625%
HK$49,254
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,858/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,604
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,907
−HK$1,323/mo
Today · 4.125%
HK$51,230
baseline
▲ 0.50% · 4.625%
HK$53,930
+HK$2,700/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,460/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,971
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,556
−HK$1,611/mo
Today · 4.125%
HK$54,167
baseline
▲ 0.50% · 4.625%
HK$57,463
+HK$3,296/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,334/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,705
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,225
−HK$1,543/mo
Today · 4.125%
HK$59,768
baseline
▲ 0.50% · 4.625%
HK$62,919
+HK$3,151/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,536/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,534
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,572
−HK$2,071/mo
Today · 4.125%
HK$69,643
baseline
▲ 0.50% · 4.625%
HK$73,881
+HK$4,238/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,286/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,906
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,861
−HK$1,984/mo
Today · 4.125%
HK$76,845
baseline
▲ 0.50% · 4.625%
HK$80,895
+HK$4,050/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,690/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,744 · Scale 2, in force from 26 Feb 2026)