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$36,419
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,552
−HK$1,151/mo
Today · 4.125%
HK$38,703
baseline
▲ 0.50% · 4.625%
HK$41,058
+HK$2,355/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,406/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,516
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,602
−HK$1,103/mo
Today · 4.125%
HK$42,705
baseline
▲ 0.50% · 4.625%
HK$44,956
+HK$2,251/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,410/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,703
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,062
−HK$1,381/mo
Today · 4.125%
HK$46,443
baseline
▲ 0.50% · 4.625%
HK$49,269
+HK$2,826/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,886/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,619
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,923
−HK$1,322/mo
Today · 4.125%
HK$51,245
baseline
▲ 0.50% · 4.625%
HK$53,947
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,490/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,986
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,572
−HK$1,612/mo
Today · 4.125%
HK$54,184
baseline
▲ 0.50% · 4.625%
HK$57,481
+HK$3,297/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,368/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,722
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,243
−HK$1,543/mo
Today · 4.125%
HK$59,786
baseline
▲ 0.50% · 4.625%
HK$62,938
+HK$3,152/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,572/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,554
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,593
−HK$2,072/mo
Today · 4.125%
HK$69,665
baseline
▲ 0.50% · 4.625%
HK$73,904
+HK$4,239/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,330/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,928
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,884
−HK$1,984/mo
Today · 4.125%
HK$76,868
baseline
▲ 0.50% · 4.625%
HK$80,920
+HK$4,052/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,736/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,927 · Scale 2, in force from 26 Feb 2026)