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$36,400
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,532
−HK$1,151/mo
Today · 4.125%
HK$38,683
baseline
▲ 0.50% · 4.625%
HK$41,036
+HK$2,353/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,366/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,495
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,581
−HK$1,101/mo
Today · 4.125%
HK$42,682
baseline
▲ 0.50% · 4.625%
HK$44,932
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,364/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,680
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,039
−HK$1,380/mo
Today · 4.125%
HK$46,419
baseline
▲ 0.50% · 4.625%
HK$49,244
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,838/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,593
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,897
−HK$1,322/mo
Today · 4.125%
HK$51,219
baseline
▲ 0.50% · 4.625%
HK$53,919
+HK$2,700/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,438/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,960
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,545
−HK$1,611/mo
Today · 4.125%
HK$54,156
baseline
▲ 0.50% · 4.625%
HK$57,451
+HK$3,295/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,312/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,692
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,213
−HK$1,542/mo
Today · 4.125%
HK$59,755
baseline
▲ 0.50% · 4.625%
HK$62,905
+HK$3,150/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,510/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,520
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,558
−HK$2,071/mo
Today · 4.125%
HK$69,629
baseline
▲ 0.50% · 4.625%
HK$73,865
+HK$4,236/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,258/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,890
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,845
−HK$1,983/mo
Today · 4.125%
HK$76,828
baseline
▲ 0.50% · 4.625%
HK$80,878
+HK$4,050/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,656/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,616 · Scale 2, in force from 26 Feb 2026)