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$36,423
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,556
−HK$1,151/mo
Today · 4.125%
HK$38,707
baseline
▲ 0.50% · 4.625%
HK$41,063
+HK$2,356/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,414/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,521
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,607
−HK$1,103/mo
Today · 4.125%
HK$42,710
baseline
▲ 0.50% · 4.625%
HK$44,961
+HK$2,251/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,420/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,708
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,068
−HK$1,381/mo
Today · 4.125%
HK$46,449
baseline
▲ 0.50% · 4.625%
HK$49,275
+HK$2,826/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,898/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,625
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,929
−HK$1,323/mo
Today · 4.125%
HK$51,252
baseline
▲ 0.50% · 4.625%
HK$53,953
+HK$2,701/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,504/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,993
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,579
−HK$1,611/mo
Today · 4.125%
HK$54,190
baseline
▲ 0.50% · 4.625%
HK$57,488
+HK$3,298/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,380/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,729
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,250
−HK$1,544/mo
Today · 4.125%
HK$59,794
baseline
▲ 0.50% · 4.625%
HK$62,945
+HK$3,151/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,588/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,562
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,601
−HK$2,072/mo
Today · 4.125%
HK$69,673
baseline
▲ 0.50% · 4.625%
HK$73,913
+HK$4,240/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,346/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,937
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,893
−HK$1,985/mo
Today · 4.125%
HK$76,878
baseline
▲ 0.50% · 4.625%
HK$80,930
+HK$4,052/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,756/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,000 · Scale 2, in force from 26 Feb 2026)