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$36,396
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,528
−HK$1,151/mo
Today · 4.125%
HK$38,679
baseline
▲ 0.50% · 4.625%
HK$41,032
+HK$2,353/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$598,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,490
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,576
−HK$1,102/mo
Today · 4.125%
HK$42,678
baseline
▲ 0.50% · 4.625%
HK$44,928
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,356/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,675
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,034
−HK$1,380/mo
Today · 4.125%
HK$46,414
baseline
▲ 0.50% · 4.625%
HK$49,238
+HK$2,824/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$92,828/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,588
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,892
−HK$1,322/mo
Today · 4.125%
HK$51,214
baseline
▲ 0.50% · 4.625%
HK$53,913
+HK$2,699/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$102,428/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,955
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,540
−HK$1,610/mo
Today · 4.125%
HK$54,150
baseline
▲ 0.50% · 4.625%
HK$57,445
+HK$3,295/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,300/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,687
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,207
−HK$1,542/mo
Today · 4.125%
HK$59,749
baseline
▲ 0.50% · 4.625%
HK$62,899
+HK$3,150/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,498/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,513
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,551
−HK$2,070/mo
Today · 4.125%
HK$69,621
baseline
▲ 0.50% · 4.625%
HK$73,858
+HK$4,237/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,242/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,883
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,837
−HK$1,983/mo
Today · 4.125%
HK$76,820
baseline
▲ 0.50% · 4.625%
HK$80,870
+HK$4,050/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,640/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,555 · Scale 2, in force from 26 Feb 2026)