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$36,373
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,504
−HK$1,150/mo
Today · 4.125%
HK$38,654
baseline
▲ 0.50% · 4.625%
HK$41,006
+HK$2,352/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,308/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,465
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,550
−HK$1,101/mo
Today · 4.125%
HK$42,651
baseline
▲ 0.50% · 4.625%
HK$44,899
+HK$2,248/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,302/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,648
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,005
−HK$1,380/mo
Today · 4.125%
HK$46,385
baseline
▲ 0.50% · 4.625%
HK$49,207
+HK$2,822/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,770/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,558
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,860
−HK$1,321/mo
Today · 4.125%
HK$51,181
baseline
▲ 0.50% · 4.625%
HK$53,879
+HK$2,698/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,362/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,922
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,506
−HK$1,610/mo
Today · 4.125%
HK$54,116
baseline
▲ 0.50% · 4.625%
HK$57,408
+HK$3,292/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,232/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,651
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,170
−HK$1,541/mo
Today · 4.125%
HK$59,711
baseline
▲ 0.50% · 4.625%
HK$62,859
+HK$3,148/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,422/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,472
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,508
−HK$2,069/mo
Today · 4.125%
HK$69,577
baseline
▲ 0.50% · 4.625%
HK$73,811
+HK$4,234/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,154/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,836
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,790
−HK$1,982/mo
Today · 4.125%
HK$76,772
baseline
▲ 0.50% · 4.625%
HK$80,818
+HK$4,046/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,544/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,174 · Scale 2, in force from 26 Feb 2026)