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$36,384
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,515
−HK$1,150/mo
Today · 4.125%
HK$38,665
baseline
▲ 0.50% · 4.625%
HK$41,018
+HK$2,353/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,330/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,476
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,562
−HK$1,101/mo
Today · 4.125%
HK$42,663
baseline
▲ 0.50% · 4.625%
HK$44,912
+HK$2,249/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,326/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,660
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,018
−HK$1,380/mo
Today · 4.125%
HK$46,398
baseline
▲ 0.50% · 4.625%
HK$49,221
+HK$2,823/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,796/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,572
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,874
−HK$1,322/mo
Today · 4.125%
HK$51,196
baseline
▲ 0.50% · 4.625%
HK$53,894
+HK$2,698/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,392/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,937
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,521
−HK$1,610/mo
Today · 4.125%
HK$54,131
baseline
▲ 0.50% · 4.625%
HK$57,425
+HK$3,294/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,262/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,667
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,187
−HK$1,541/mo
Today · 4.125%
HK$59,728
baseline
▲ 0.50% · 4.625%
HK$62,877
+HK$3,149/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,456/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,490
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,528
−HK$2,069/mo
Today · 4.125%
HK$69,597
baseline
▲ 0.50% · 4.625%
HK$73,832
+HK$4,235/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,194/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,857
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,811
−HK$1,983/mo
Today · 4.125%
HK$76,794
baseline
▲ 0.50% · 4.625%
HK$80,842
+HK$4,048/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,588/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,347 · Scale 2, in force from 26 Feb 2026)