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$36,376
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,507
−HK$1,150/mo
Today · 4.125%
HK$38,657
baseline
▲ 0.50% · 4.625%
HK$41,009
+HK$2,352/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,314/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,467
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,553
−HK$1,101/mo
Today · 4.125%
HK$42,654
baseline
▲ 0.50% · 4.625%
HK$44,902
+HK$2,248/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,308/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,651
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,008
−HK$1,380/mo
Today · 4.125%
HK$46,388
baseline
▲ 0.50% · 4.625%
HK$49,210
+HK$2,822/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,776/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,561
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,863
−HK$1,321/mo
Today · 4.125%
HK$51,184
baseline
▲ 0.50% · 4.625%
HK$53,882
+HK$2,698/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,368/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,926
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,510
−HK$1,609/mo
Today · 4.125%
HK$54,119
baseline
▲ 0.50% · 4.625%
HK$57,412
+HK$3,293/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,238/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,654
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,174
−HK$1,541/mo
Today · 4.125%
HK$59,715
baseline
▲ 0.50% · 4.625%
HK$62,863
+HK$3,148/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,430/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,476
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,513
−HK$2,069/mo
Today · 4.125%
HK$69,582
baseline
▲ 0.50% · 4.625%
HK$73,816
+HK$4,234/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,164/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,841
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,795
−HK$1,982/mo
Today · 4.125%
HK$76,777
baseline
▲ 0.50% · 4.625%
HK$80,824
+HK$4,047/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,554/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,215 · Scale 2, in force from 26 Feb 2026)