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$36,429
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,562
−HK$1,151/mo
Today · 4.125%
HK$38,713
baseline
▲ 0.50% · 4.625%
HK$41,069
+HK$2,356/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,426/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,527
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,614
−HK$1,103/mo
Today · 4.125%
HK$42,717
baseline
▲ 0.50% · 4.625%
HK$44,968
+HK$2,251/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,434/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,715
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,075
−HK$1,381/mo
Today · 4.125%
HK$46,456
baseline
▲ 0.50% · 4.625%
HK$49,283
+HK$2,827/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,912/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,632
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,937
−HK$1,323/mo
Today · 4.125%
HK$51,260
baseline
▲ 0.50% · 4.625%
HK$53,962
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,520/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,001
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,587
−HK$1,612/mo
Today · 4.125%
HK$54,199
baseline
▲ 0.50% · 4.625%
HK$57,497
+HK$3,298/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,398/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,738
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,259
−HK$1,544/mo
Today · 4.125%
HK$59,803
baseline
▲ 0.50% · 4.625%
HK$62,955
+HK$3,152/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,606/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,572
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,612
−HK$2,072/mo
Today · 4.125%
HK$69,684
baseline
▲ 0.50% · 4.625%
HK$73,924
+HK$4,240/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,368/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,949
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,905
−HK$1,985/mo
Today · 4.125%
HK$76,890
baseline
▲ 0.50% · 4.625%
HK$80,943
+HK$4,053/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,780/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,096 · Scale 2, in force from 26 Feb 2026)