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$36,418
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,551
−HK$1,151/mo
Today · 4.125%
HK$38,702
baseline
▲ 0.50% · 4.625%
HK$41,057
+HK$2,355/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,404/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,515
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,602
−HK$1,102/mo
Today · 4.125%
HK$42,704
baseline
▲ 0.50% · 4.625%
HK$44,955
+HK$2,251/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,408/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,702
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,061
−HK$1,382/mo
Today · 4.125%
HK$46,443
baseline
▲ 0.50% · 4.625%
HK$49,268
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,886/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,618
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,922
−HK$1,323/mo
Today · 4.125%
HK$51,245
baseline
▲ 0.50% · 4.625%
HK$53,946
+HK$2,701/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,490/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,986
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,572
−HK$1,611/mo
Today · 4.125%
HK$54,183
baseline
▲ 0.50% · 4.625%
HK$57,480
+HK$3,297/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,366/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,721
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,242
−HK$1,544/mo
Today · 4.125%
HK$59,786
baseline
▲ 0.50% · 4.625%
HK$62,937
+HK$3,151/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,572/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,553
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,592
−HK$2,072/mo
Today · 4.125%
HK$69,664
baseline
▲ 0.50% · 4.625%
HK$73,903
+HK$4,239/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,328/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,927
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,883
−HK$1,984/mo
Today · 4.125%
HK$76,867
baseline
▲ 0.50% · 4.625%
HK$80,919
+HK$4,052/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,734/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,919 · Scale 2, in force from 26 Feb 2026)