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$36,328
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,458
−HK$1,148/mo
Today · 4.125%
HK$38,606
baseline
▲ 0.50% · 4.625%
HK$40,955
+HK$2,349/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,212/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,415
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,499
−HK$1,099/mo
Today · 4.125%
HK$42,598
baseline
▲ 0.50% · 4.625%
HK$44,844
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,196/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,594
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,950
−HK$1,377/mo
Today · 4.125%
HK$46,327
baseline
▲ 0.50% · 4.625%
HK$49,146
+HK$2,819/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,654/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,498
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,798
−HK$1,320/mo
Today · 4.125%
HK$51,118
baseline
▲ 0.50% · 4.625%
HK$53,812
+HK$2,694/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,236/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,859
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,441
−HK$1,608/mo
Today · 4.125%
HK$54,049
baseline
▲ 0.50% · 4.625%
HK$57,337
+HK$3,288/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,098/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,580
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,098
−HK$1,539/mo
Today · 4.125%
HK$59,637
baseline
▲ 0.50% · 4.625%
HK$62,781
+HK$3,144/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,274/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,391
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,425
−HK$2,066/mo
Today · 4.125%
HK$69,491
baseline
▲ 0.50% · 4.625%
HK$73,719
+HK$4,228/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$138,982/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,746
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,697
−HK$1,980/mo
Today · 4.125%
HK$76,677
baseline
▲ 0.50% · 4.625%
HK$80,718
+HK$4,041/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,354/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,435 · Scale 2, in force from 26 Feb 2026)