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$36,357
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,488
−HK$1,149/mo
Today · 4.125%
HK$38,637
baseline
▲ 0.50% · 4.625%
HK$40,988
+HK$2,351/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,274/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,447
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,532
−HK$1,101/mo
Today · 4.125%
HK$42,633
baseline
▲ 0.50% · 4.625%
HK$44,880
+HK$2,247/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,266/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,629
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,986
−HK$1,379/mo
Today · 4.125%
HK$46,365
baseline
▲ 0.50% · 4.625%
HK$49,186
+HK$2,821/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,730/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$597,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,537
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,838
−HK$1,321/mo
Today · 4.125%
HK$51,159
baseline
▲ 0.50% · 4.625%
HK$53,856
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,318/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$597,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,900
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,484
−HK$1,608/mo
Today · 4.125%
HK$54,092
baseline
▲ 0.50% · 4.625%
HK$57,384
+HK$3,292/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,184/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,626
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,145
−HK$1,541/mo
Today · 4.125%
HK$59,686
baseline
▲ 0.50% · 4.625%
HK$62,832
+HK$3,146/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,372/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,443
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,479
−HK$2,068/mo
Today · 4.125%
HK$69,547
baseline
▲ 0.50% · 4.625%
HK$73,779
+HK$4,232/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,094/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,805
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,758
−HK$1,981/mo
Today · 4.125%
HK$76,739
baseline
▲ 0.50% · 4.625%
HK$80,784
+HK$4,045/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,478/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,918 · Scale 2, in force from 26 Feb 2026)