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$36,452
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,586
−HK$1,152/mo
Today · 4.125%
HK$38,738
baseline
▲ 0.50% · 4.625%
HK$41,095
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,476/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,552
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,640
−HK$1,103/mo
Today · 4.125%
HK$42,743
baseline
▲ 0.50% · 4.625%
HK$44,996
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,486/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,742
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,103
−HK$1,382/mo
Today · 4.125%
HK$46,485
baseline
▲ 0.50% · 4.625%
HK$49,314
+HK$2,829/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,970/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,663
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,968
−HK$1,324/mo
Today · 4.125%
HK$51,292
baseline
▲ 0.50% · 4.625%
HK$53,996
+HK$2,704/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,584/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,033
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,620
−HK$1,613/mo
Today · 4.125%
HK$54,233
baseline
▲ 0.50% · 4.625%
HK$57,533
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,466/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,773
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,296
−HK$1,545/mo
Today · 4.125%
HK$59,841
baseline
▲ 0.50% · 4.625%
HK$62,995
+HK$3,154/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,682/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,613
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,654
−HK$2,074/mo
Today · 4.125%
HK$69,728
baseline
▲ 0.50% · 4.625%
HK$73,971
+HK$4,243/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,456/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,994
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,952
−HK$1,986/mo
Today · 4.125%
HK$76,938
baseline
▲ 0.50% · 4.625%
HK$80,993
+HK$4,055/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,876/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,470 · Scale 2, in force from 26 Feb 2026)