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$36,392
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,524
−HK$1,150/mo
Today · 4.125%
HK$38,674
baseline
▲ 0.50% · 4.625%
HK$41,027
+HK$2,353/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,348/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,486
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,572
−HK$1,101/mo
Today · 4.125%
HK$42,673
baseline
▲ 0.50% · 4.625%
HK$44,923
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,346/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,671
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,029
−HK$1,380/mo
Today · 4.125%
HK$46,409
baseline
▲ 0.50% · 4.625%
HK$49,233
+HK$2,824/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$92,818/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,583
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,886
−HK$1,322/mo
Today · 4.125%
HK$51,208
baseline
▲ 0.50% · 4.625%
HK$53,907
+HK$2,699/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$102,416/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,949
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,534
−HK$1,610/mo
Today · 4.125%
HK$54,144
baseline
▲ 0.50% · 4.625%
HK$57,438
+HK$3,294/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,288/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,680
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,200
−HK$1,542/mo
Today · 4.125%
HK$59,742
baseline
▲ 0.50% · 4.625%
HK$62,892
+HK$3,150/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,484/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,506
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,543
−HK$2,071/mo
Today · 4.125%
HK$69,614
baseline
▲ 0.50% · 4.625%
HK$73,849
+HK$4,235/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,228/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,875
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,829
−HK$1,983/mo
Today · 4.125%
HK$76,812
baseline
▲ 0.50% · 4.625%
HK$80,861
+HK$4,049/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,624/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,488 · Scale 2, in force from 26 Feb 2026)