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$36,449
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,582
−HK$1,152/mo
Today · 4.125%
HK$38,734
baseline
▲ 0.50% · 4.625%
HK$41,091
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,468/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,549
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,636
−HK$1,104/mo
Today · 4.125%
HK$42,740
baseline
▲ 0.50% · 4.625%
HK$44,992
+HK$2,252/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,480/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,738
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,099
−HK$1,382/mo
Today · 4.125%
HK$46,481
baseline
▲ 0.50% · 4.625%
HK$49,309
+HK$2,828/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,962/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,659
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,964
−HK$1,323/mo
Today · 4.125%
HK$51,287
baseline
▲ 0.50% · 4.625%
HK$53,991
+HK$2,704/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,574/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,028
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,615
−HK$1,613/mo
Today · 4.125%
HK$54,228
baseline
▲ 0.50% · 4.625%
HK$57,528
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,456/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,768
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,291
−HK$1,544/mo
Today · 4.125%
HK$59,835
baseline
▲ 0.50% · 4.625%
HK$62,989
+HK$3,154/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,670/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,608
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,648
−HK$2,074/mo
Today · 4.125%
HK$69,722
baseline
▲ 0.50% · 4.625%
HK$73,964
+HK$4,242/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,444/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,988
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,945
−HK$1,986/mo
Today · 4.125%
HK$76,931
baseline
▲ 0.50% · 4.625%
HK$80,986
+HK$4,055/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,862/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,418 · Scale 2, in force from 26 Feb 2026)