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$36,425
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,558
−HK$1,151/mo
Today · 4.125%
HK$38,709
baseline
▲ 0.50% · 4.625%
HK$41,065
+HK$2,356/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,418/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,523
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,609
−HK$1,103/mo
Today · 4.125%
HK$42,712
baseline
▲ 0.50% · 4.625%
HK$44,963
+HK$2,251/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,424/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,710
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,070
−HK$1,381/mo
Today · 4.125%
HK$46,451
baseline
▲ 0.50% · 4.625%
HK$49,278
+HK$2,827/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,902/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,627
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,931
−HK$1,323/mo
Today · 4.125%
HK$51,254
baseline
▲ 0.50% · 4.625%
HK$53,956
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,508/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,995
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,581
−HK$1,612/mo
Today · 4.125%
HK$54,193
baseline
▲ 0.50% · 4.625%
HK$57,491
+HK$3,298/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,386/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,732
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,253
−HK$1,544/mo
Today · 4.125%
HK$59,797
baseline
▲ 0.50% · 4.625%
HK$62,949
+HK$3,152/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,594/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,565
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,605
−HK$2,072/mo
Today · 4.125%
HK$69,677
baseline
▲ 0.50% · 4.625%
HK$73,916
+HK$4,239/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,354/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,941
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,897
−HK$1,984/mo
Today · 4.125%
HK$76,881
baseline
▲ 0.50% · 4.625%
HK$80,934
+HK$4,053/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,762/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,031 · Scale 2, in force from 26 Feb 2026)