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$36,331
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,461
−HK$1,148/mo
Today · 4.125%
HK$38,609
baseline
▲ 0.50% · 4.625%
HK$40,958
+HK$2,349/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,218/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,418
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,502
−HK$1,099/mo
Today · 4.125%
HK$42,601
baseline
▲ 0.50% · 4.625%
HK$44,847
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,202/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,597
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,953
−HK$1,378/mo
Today · 4.125%
HK$46,331
baseline
▲ 0.50% · 4.625%
HK$49,150
+HK$2,819/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,662/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,501
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,802
−HK$1,320/mo
Today · 4.125%
HK$51,122
baseline
▲ 0.50% · 4.625%
HK$53,816
+HK$2,694/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,244/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,863
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,445
−HK$1,608/mo
Today · 4.125%
HK$54,053
baseline
▲ 0.50% · 4.625%
HK$57,342
+HK$3,289/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,106/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,585
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,102
−HK$1,540/mo
Today · 4.125%
HK$59,642
baseline
▲ 0.50% · 4.625%
HK$62,786
+HK$3,144/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,284/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,396
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,430
−HK$2,066/mo
Today · 4.125%
HK$69,496
baseline
▲ 0.50% · 4.625%
HK$73,725
+HK$4,229/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$138,992/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,752
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,703
−HK$1,979/mo
Today · 4.125%
HK$76,682
baseline
▲ 0.50% · 4.625%
HK$80,724
+HK$4,042/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,364/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,480 · Scale 2, in force from 26 Feb 2026)