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$36,397
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,529
−HK$1,150/mo
Today · 4.125%
HK$38,679
baseline
▲ 0.50% · 4.625%
HK$41,033
+HK$2,354/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,358/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,491
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,577
−HK$1,102/mo
Today · 4.125%
HK$42,679
baseline
▲ 0.50% · 4.625%
HK$44,928
+HK$2,249/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,358/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,676
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,035
−HK$1,380/mo
Today · 4.125%
HK$46,415
baseline
▲ 0.50% · 4.625%
HK$49,239
+HK$2,824/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$92,830/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,589
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,893
−HK$1,322/mo
Today · 4.125%
HK$51,215
baseline
▲ 0.50% · 4.625%
HK$53,914
+HK$2,699/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$102,430/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,956
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,541
−HK$1,610/mo
Today · 4.125%
HK$54,151
baseline
▲ 0.50% · 4.625%
HK$57,446
+HK$3,295/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,302/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,688
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,208
−HK$1,542/mo
Today · 4.125%
HK$59,750
baseline
▲ 0.50% · 4.625%
HK$62,900
+HK$3,150/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,500/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,514
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,552
−HK$2,071/mo
Today · 4.125%
HK$69,623
baseline
▲ 0.50% · 4.625%
HK$73,859
+HK$4,236/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,246/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,884
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,839
−HK$1,983/mo
Today · 4.125%
HK$76,822
baseline
▲ 0.50% · 4.625%
HK$80,871
+HK$4,049/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,644/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,567 · Scale 2, in force from 26 Feb 2026)