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$36,363
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,494
−HK$1,149/mo
Today · 4.125%
HK$38,643
baseline
▲ 0.50% · 4.625%
HK$40,994
+HK$2,351/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,286/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,453
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,538
−HK$1,101/mo
Today · 4.125%
HK$42,639
baseline
▲ 0.50% · 4.625%
HK$44,886
+HK$2,247/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,278/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,635
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,993
−HK$1,379/mo
Today · 4.125%
HK$46,372
baseline
▲ 0.50% · 4.625%
HK$49,193
+HK$2,821/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,744/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,544
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,846
−HK$1,320/mo
Today · 4.125%
HK$51,166
baseline
▲ 0.50% · 4.625%
HK$53,863
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,332/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,908
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,491
−HK$1,609/mo
Today · 4.125%
HK$54,100
baseline
▲ 0.50% · 4.625%
HK$57,392
+HK$3,292/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,200/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,634
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,153
−HK$1,541/mo
Today · 4.125%
HK$59,694
baseline
▲ 0.50% · 4.625%
HK$62,841
+HK$3,147/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,388/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,453
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,489
−HK$2,068/mo
Today · 4.125%
HK$69,557
baseline
▲ 0.50% · 4.625%
HK$73,790
+HK$4,233/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,114/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,816
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,768
−HK$1,982/mo
Today · 4.125%
HK$76,750
baseline
▲ 0.50% · 4.625%
HK$80,795
+HK$4,045/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,500/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,003 · Scale 2, in force from 26 Feb 2026)