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$36,402
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,535
−HK$1,150/mo
Today · 4.125%
HK$38,685
baseline
▲ 0.50% · 4.625%
HK$41,039
+HK$2,354/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,370/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,497
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,584
−HK$1,101/mo
Today · 4.125%
HK$42,685
baseline
▲ 0.50% · 4.625%
HK$44,935
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,370/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,683
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,042
−HK$1,380/mo
Today · 4.125%
HK$46,422
baseline
▲ 0.50% · 4.625%
HK$49,247
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,844/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,597
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,900
−HK$1,322/mo
Today · 4.125%
HK$51,222
baseline
▲ 0.50% · 4.625%
HK$53,922
+HK$2,700/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,444/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,963
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,549
−HK$1,610/mo
Today · 4.125%
HK$54,159
baseline
▲ 0.50% · 4.625%
HK$57,455
+HK$3,296/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,318/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,696
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,217
−HK$1,542/mo
Today · 4.125%
HK$59,759
baseline
▲ 0.50% · 4.625%
HK$62,910
+HK$3,151/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,518/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,524
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,563
−HK$2,070/mo
Today · 4.125%
HK$69,633
baseline
▲ 0.50% · 4.625%
HK$73,870
+HK$4,237/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,266/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,895
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,850
−HK$1,984/mo
Today · 4.125%
HK$76,834
baseline
▲ 0.50% · 4.625%
HK$80,884
+HK$4,050/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,668/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,658 · Scale 2, in force from 26 Feb 2026)