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$36,406
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,538
−HK$1,151/mo
Today · 4.125%
HK$38,689
baseline
▲ 0.50% · 4.625%
HK$41,043
+HK$2,354/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,378/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,501
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,588
−HK$1,101/mo
Today · 4.125%
HK$42,689
baseline
▲ 0.50% · 4.625%
HK$44,940
+HK$2,251/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,378/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,687
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,046
−HK$1,381/mo
Today · 4.125%
HK$46,427
baseline
▲ 0.50% · 4.625%
HK$49,252
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,854/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,602
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,905
−HK$1,322/mo
Today · 4.125%
HK$51,227
baseline
▲ 0.50% · 4.625%
HK$53,928
+HK$2,701/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,454/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,968
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,554
−HK$1,611/mo
Today · 4.125%
HK$54,165
baseline
▲ 0.50% · 4.625%
HK$57,460
+HK$3,295/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,330/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,702
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,223
−HK$1,542/mo
Today · 4.125%
HK$59,765
baseline
▲ 0.50% · 4.625%
HK$62,916
+HK$3,151/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,530/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,531
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,569
−HK$2,071/mo
Today · 4.125%
HK$69,640
baseline
▲ 0.50% · 4.625%
HK$73,878
+HK$4,238/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,280/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,902
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,858
−HK$1,983/mo
Today · 4.125%
HK$76,841
baseline
▲ 0.50% · 4.625%
HK$80,891
+HK$4,050/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,682/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,716 · Scale 2, in force from 26 Feb 2026)