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$36,372
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,503
−HK$1,150/mo
Today · 4.125%
HK$38,653
baseline
▲ 0.50% · 4.625%
HK$41,005
+HK$2,352/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,306/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,463
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,549
−HK$1,101/mo
Today · 4.125%
HK$42,650
baseline
▲ 0.50% · 4.625%
HK$44,898
+HK$2,248/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,300/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,646
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,004
−HK$1,379/mo
Today · 4.125%
HK$46,383
baseline
▲ 0.50% · 4.625%
HK$49,206
+HK$2,823/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,766/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,556
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,858
−HK$1,322/mo
Today · 4.125%
HK$51,180
baseline
▲ 0.50% · 4.625%
HK$53,877
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,360/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,921
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,505
−HK$1,609/mo
Today · 4.125%
HK$54,114
baseline
▲ 0.50% · 4.625%
HK$57,407
+HK$3,293/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,228/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,649
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,168
−HK$1,541/mo
Today · 4.125%
HK$59,709
baseline
▲ 0.50% · 4.625%
HK$62,857
+HK$3,148/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,418/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,470
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,506
−HK$2,069/mo
Today · 4.125%
HK$69,575
baseline
▲ 0.50% · 4.625%
HK$73,809
+HK$4,234/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,150/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,834
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,788
−HK$1,981/mo
Today · 4.125%
HK$76,769
baseline
▲ 0.50% · 4.625%
HK$80,816
+HK$4,047/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,538/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,157 · Scale 2, in force from 26 Feb 2026)