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$36,329
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,459
−HK$1,148/mo
Today · 4.125%
HK$38,607
baseline
▲ 0.50% · 4.625%
HK$40,956
+HK$2,349/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,214/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,415
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,499
−HK$1,100/mo
Today · 4.125%
HK$42,599
baseline
▲ 0.50% · 4.625%
HK$44,844
+HK$2,245/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,198/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,594
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,950
−HK$1,378/mo
Today · 4.125%
HK$46,328
baseline
▲ 0.50% · 4.625%
HK$49,147
+HK$2,819/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,656/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,498
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,799
−HK$1,320/mo
Today · 4.125%
HK$51,119
baseline
▲ 0.50% · 4.625%
HK$53,813
+HK$2,694/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,238/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,860
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,442
−HK$1,607/mo
Today · 4.125%
HK$54,049
baseline
▲ 0.50% · 4.625%
HK$57,338
+HK$3,289/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,098/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,581
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,099
−HK$1,539/mo
Today · 4.125%
HK$59,638
baseline
▲ 0.50% · 4.625%
HK$62,782
+HK$3,144/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,276/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,392
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,426
−HK$2,066/mo
Today · 4.125%
HK$69,492
baseline
▲ 0.50% · 4.625%
HK$73,721
+HK$4,229/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$138,984/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,747
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,698
−HK$1,980/mo
Today · 4.125%
HK$76,678
baseline
▲ 0.50% · 4.625%
HK$80,720
+HK$4,042/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,356/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,444 · Scale 2, in force from 26 Feb 2026)