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$36,369
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,501
−HK$1,149/mo
Today · 4.125%
HK$38,650
baseline
▲ 0.50% · 4.625%
HK$41,002
+HK$2,352/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,300/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,460
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,546
−HK$1,100/mo
Today · 4.125%
HK$42,646
baseline
▲ 0.50% · 4.625%
HK$44,894
+HK$2,248/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,292/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,643
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,001
−HK$1,379/mo
Today · 4.125%
HK$46,380
baseline
▲ 0.50% · 4.625%
HK$49,202
+HK$2,822/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,760/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,553
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,855
−HK$1,321/mo
Today · 4.125%
HK$51,176
baseline
▲ 0.50% · 4.625%
HK$53,873
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,352/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,917
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,501
−HK$1,609/mo
Today · 4.125%
HK$54,110
baseline
▲ 0.50% · 4.625%
HK$57,402
+HK$3,292/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,220/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,645
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,164
−HK$1,541/mo
Today · 4.125%
HK$59,705
baseline
▲ 0.50% · 4.625%
HK$62,852
+HK$3,147/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,410/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,465
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,501
−HK$2,069/mo
Today · 4.125%
HK$69,570
baseline
▲ 0.50% · 4.625%
HK$73,803
+HK$4,233/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,140/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,829
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,782
−HK$1,981/mo
Today · 4.125%
HK$76,763
baseline
▲ 0.50% · 4.625%
HK$80,810
+HK$4,047/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,526/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,112 · Scale 2, in force from 26 Feb 2026)