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$36,439
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,573
−HK$1,152/mo
Today · 4.125%
HK$38,725
baseline
▲ 0.50% · 4.625%
HK$41,081
+HK$2,356/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,450/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,538
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,626
−HK$1,103/mo
Today · 4.125%
HK$42,729
baseline
▲ 0.50% · 4.625%
HK$44,981
+HK$2,252/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,458/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,727
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,087
−HK$1,382/mo
Today · 4.125%
HK$46,469
baseline
▲ 0.50% · 4.625%
HK$49,297
+HK$2,828/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,938/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,646
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,951
−HK$1,323/mo
Today · 4.125%
HK$51,274
baseline
▲ 0.50% · 4.625%
HK$53,977
+HK$2,703/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,548/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,015
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,602
−HK$1,612/mo
Today · 4.125%
HK$54,214
baseline
▲ 0.50% · 4.625%
HK$57,513
+HK$3,299/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$108,428/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,754
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,276
−HK$1,544/mo
Today · 4.125%
HK$59,820
baseline
▲ 0.50% · 4.625%
HK$62,973
+HK$3,153/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$119,640/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,591
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,631
−HK$2,073/mo
Today · 4.125%
HK$69,704
baseline
▲ 0.50% · 4.625%
HK$73,945
+HK$4,241/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,408/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,969
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,926
−HK$1,986/mo
Today · 4.125%
HK$76,912
baseline
▲ 0.50% · 4.625%
HK$80,966
+HK$4,054/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,824/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,266 · Scale 2, in force from 26 Feb 2026)