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$36,444
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,577
−HK$1,152/mo
Today · 4.125%
HK$38,729
baseline
▲ 0.50% · 4.625%
HK$41,086
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,458/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,543
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,631
−HK$1,103/mo
Today · 4.125%
HK$42,734
baseline
▲ 0.50% · 4.625%
HK$44,986
+HK$2,252/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,468/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,733
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,093
−HK$1,382/mo
Today · 4.125%
HK$46,475
baseline
▲ 0.50% · 4.625%
HK$49,303
+HK$2,828/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,950/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,652
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,957
−HK$1,324/mo
Today · 4.125%
HK$51,281
baseline
▲ 0.50% · 4.625%
HK$53,984
+HK$2,703/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,562/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,021
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,608
−HK$1,613/mo
Today · 4.125%
HK$54,221
baseline
▲ 0.50% · 4.625%
HK$57,520
+HK$3,299/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$108,442/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,761
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,283
−HK$1,544/mo
Today · 4.125%
HK$59,827
baseline
▲ 0.50% · 4.625%
HK$62,981
+HK$3,154/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$119,654/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,599
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,639
−HK$2,073/mo
Today · 4.125%
HK$69,712
baseline
▲ 0.50% · 4.625%
HK$73,954
+HK$4,242/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,424/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,978
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,935
−HK$1,986/mo
Today · 4.125%
HK$76,921
baseline
▲ 0.50% · 4.625%
HK$80,975
+HK$4,054/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,842/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,338 · Scale 2, in force from 26 Feb 2026)