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$36,345
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,476
−HK$1,148/mo
Today · 4.125%
HK$38,624
baseline
▲ 0.50% · 4.625%
HK$40,975
+HK$2,351/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,248/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,434
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,518
−HK$1,100/mo
Today · 4.125%
HK$42,618
baseline
▲ 0.50% · 4.625%
HK$44,865
+HK$2,247/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,236/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,614
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,971
−HK$1,378/mo
Today · 4.125%
HK$46,349
baseline
▲ 0.50% · 4.625%
HK$49,170
+HK$2,821/mo
Deposit HK$6.38M · loan HK$9.56M · min. income ≈ HK$92,698/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,520
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,822
−HK$1,320/mo
Today · 4.125%
HK$51,142
baseline
▲ 0.50% · 4.625%
HK$53,838
+HK$2,696/mo
Deposit HK$6.38M · loan HK$9.56M · min. income ≈ HK$102,284/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,883
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,466
−HK$1,608/mo
Today · 4.125%
HK$54,074
baseline
▲ 0.50% · 4.625%
HK$57,364
+HK$3,290/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,148/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,607
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,125
−HK$1,541/mo
Today · 4.125%
HK$59,666
baseline
▲ 0.50% · 4.625%
HK$62,811
+HK$3,145/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,332/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,421
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,456
−HK$2,068/mo
Today · 4.125%
HK$69,524
baseline
▲ 0.50% · 4.625%
HK$73,754
+HK$4,230/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,048/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,781
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,733
−HK$1,980/mo
Today · 4.125%
HK$76,713
baseline
▲ 0.50% · 4.625%
HK$80,756
+HK$4,043/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,426/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,717 · Scale 2, in force from 26 Feb 2026)