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$36,453
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,587
−HK$1,152/mo
Today · 4.125%
HK$38,739
baseline
▲ 0.50% · 4.625%
HK$41,096
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,478/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,554
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,641
−HK$1,104/mo
Today · 4.125%
HK$42,745
baseline
▲ 0.50% · 4.625%
HK$44,998
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,490/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,744
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,104
−HK$1,383/mo
Today · 4.125%
HK$46,487
baseline
▲ 0.50% · 4.625%
HK$49,315
+HK$2,828/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,974/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,664
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,970
−HK$1,324/mo
Today · 4.125%
HK$51,294
baseline
▲ 0.50% · 4.625%
HK$53,997
+HK$2,703/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,588/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,034
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,622
−HK$1,613/mo
Today · 4.125%
HK$54,235
baseline
▲ 0.50% · 4.625%
HK$57,535
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,470/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,775
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,298
−HK$1,545/mo
Today · 4.125%
HK$59,843
baseline
▲ 0.50% · 4.625%
HK$62,997
+HK$3,154/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,686/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,616
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,657
−HK$2,073/mo
Today · 4.125%
HK$69,730
baseline
▲ 0.50% · 4.625%
HK$73,973
+HK$4,243/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,460/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,997
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,954
−HK$1,986/mo
Today · 4.125%
HK$76,940
baseline
▲ 0.50% · 4.625%
HK$80,996
+HK$4,056/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,880/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,490 · Scale 2, in force from 26 Feb 2026)