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$36,377
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,509
−HK$1,149/mo
Today · 4.125%
HK$38,658
baseline
▲ 0.50% · 4.625%
HK$41,010
+HK$2,352/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,316/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,469
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,554
−HK$1,101/mo
Today · 4.125%
HK$42,655
baseline
▲ 0.50% · 4.625%
HK$44,904
+HK$2,249/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,310/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,652
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,010
−HK$1,380/mo
Today · 4.125%
HK$46,390
baseline
▲ 0.50% · 4.625%
HK$49,213
+HK$2,823/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,780/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,563
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,865
−HK$1,322/mo
Today · 4.125%
HK$51,187
baseline
▲ 0.50% · 4.625%
HK$53,885
+HK$2,698/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,374/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,928
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,512
−HK$1,609/mo
Today · 4.125%
HK$54,121
baseline
▲ 0.50% · 4.625%
HK$57,415
+HK$3,294/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,242/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,657
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,176
−HK$1,542/mo
Today · 4.125%
HK$59,718
baseline
▲ 0.50% · 4.625%
HK$62,865
+HK$3,147/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,436/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,479
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,515
−HK$2,070/mo
Today · 4.125%
HK$69,585
baseline
▲ 0.50% · 4.625%
HK$73,819
+HK$4,234/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,170/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,844
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,798
−HK$1,982/mo
Today · 4.125%
HK$76,780
baseline
▲ 0.50% · 4.625%
HK$80,827
+HK$4,047/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,560/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,239 · Scale 2, in force from 26 Feb 2026)