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$36,455
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,589
−HK$1,152/mo
Today · 4.125%
HK$38,741
baseline
▲ 0.50% · 4.625%
HK$41,099
+HK$2,358/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,482/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,556
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,644
−HK$1,103/mo
Today · 4.125%
HK$42,747
baseline
▲ 0.50% · 4.625%
HK$45,000
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,494/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,746
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,107
−HK$1,383/mo
Today · 4.125%
HK$46,490
baseline
▲ 0.50% · 4.625%
HK$49,318
+HK$2,828/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,980/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,667
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,973
−HK$1,324/mo
Today · 4.125%
HK$51,297
baseline
▲ 0.50% · 4.625%
HK$54,001
+HK$2,704/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,594/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,037
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,625
−HK$1,613/mo
Today · 4.125%
HK$54,238
baseline
▲ 0.50% · 4.625%
HK$57,538
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,476/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,779
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,301
−HK$1,545/mo
Today · 4.125%
HK$59,846
baseline
▲ 0.50% · 4.625%
HK$63,001
+HK$3,155/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,692/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,619
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,661
−HK$2,073/mo
Today · 4.125%
HK$69,734
baseline
▲ 0.50% · 4.625%
HK$73,978
+HK$4,244/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,468/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,001
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,959
−HK$1,986/mo
Today · 4.125%
HK$76,945
baseline
▲ 0.50% · 4.625%
HK$81,001
+HK$4,056/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,890/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,526 · Scale 2, in force from 26 Feb 2026)