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$36,354
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,484
−HK$1,149/mo
Today · 4.125%
HK$38,633
baseline
▲ 0.50% · 4.625%
HK$40,984
+HK$2,351/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,266/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,443
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,528
−HK$1,100/mo
Today · 4.125%
HK$42,628
baseline
▲ 0.50% · 4.625%
HK$44,875
+HK$2,247/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,256/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,624
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,981
−HK$1,379/mo
Today · 4.125%
HK$46,360
baseline
▲ 0.50% · 4.625%
HK$49,181
+HK$2,821/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,720/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,532
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,833
−HK$1,321/mo
Today · 4.125%
HK$51,154
baseline
▲ 0.50% · 4.625%
HK$53,850
+HK$2,696/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,308/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,895
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,478
−HK$1,608/mo
Today · 4.125%
HK$54,086
baseline
▲ 0.50% · 4.625%
HK$57,378
+HK$3,292/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,172/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,620
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,139
−HK$1,540/mo
Today · 4.125%
HK$59,679
baseline
▲ 0.50% · 4.625%
HK$62,825
+HK$3,146/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,358/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,436
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,472
−HK$2,068/mo
Today · 4.125%
HK$69,540
baseline
▲ 0.50% · 4.625%
HK$73,771
+HK$4,231/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,080/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,797
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,750
−HK$1,980/mo
Today · 4.125%
HK$76,730
baseline
▲ 0.50% · 4.625%
HK$80,775
+HK$4,045/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,460/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,853 · Scale 2, in force from 26 Feb 2026)