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$36,330
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,460
−HK$1,149/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$597,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,417
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,501
−HK$1,100/mo
Today · 4.125%
HK$42,601
baseline
▲ 0.50% · 4.625%
HK$44,846
+HK$2,245/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$597,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,596
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,953
−HK$1,377/mo
Today · 4.125%
HK$46,330
baseline
▲ 0.50% · 4.625%
HK$49,149
+HK$2,819/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,660/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,501
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,801
−HK$1,320/mo
Today · 4.125%
HK$51,121
baseline
▲ 0.50% · 4.625%
HK$53,816
+HK$2,695/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,242/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,863
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,445
−HK$1,607/mo
Today · 4.125%
HK$54,052
baseline
▲ 0.50% · 4.625%
HK$57,341
+HK$3,289/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,104/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,584
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,102
−HK$1,539/mo
Today · 4.125%
HK$59,641
baseline
▲ 0.50% · 4.625%
HK$62,785
+HK$3,144/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,282/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,395
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,429
−HK$2,066/mo
Today · 4.125%
HK$69,495
baseline
▲ 0.50% · 4.625%
HK$73,724
+HK$4,229/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$138,990/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,751
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,702
−HK$1,979/mo
Today · 4.125%
HK$76,681
baseline
▲ 0.50% · 4.625%
HK$80,723
+HK$4,042/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,362/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,472 · Scale 2, in force from 26 Feb 2026)