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$36,451
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,585
−HK$1,152/mo
Today · 4.125%
HK$38,737
baseline
▲ 0.50% · 4.625%
HK$41,094
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,474/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,552
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,639
−HK$1,103/mo
Today · 4.125%
HK$42,742
baseline
▲ 0.50% · 4.625%
HK$44,995
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,484/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,741
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,102
−HK$1,382/mo
Today · 4.125%
HK$46,484
baseline
▲ 0.50% · 4.625%
HK$49,313
+HK$2,829/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,968/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,662
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,967
−HK$1,324/mo
Today · 4.125%
HK$51,291
baseline
▲ 0.50% · 4.625%
HK$53,994
+HK$2,703/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,582/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,032
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,619
−HK$1,613/mo
Today · 4.125%
HK$54,232
baseline
▲ 0.50% · 4.625%
HK$57,532
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,464/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,772
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,295
−HK$1,544/mo
Today · 4.125%
HK$59,839
baseline
▲ 0.50% · 4.625%
HK$62,994
+HK$3,155/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,678/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,612
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,653
−HK$2,074/mo
Today · 4.125%
HK$69,727
baseline
▲ 0.50% · 4.625%
HK$73,969
+HK$4,242/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,454/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,993
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,950
−HK$1,986/mo
Today · 4.125%
HK$76,936
baseline
▲ 0.50% · 4.625%
HK$80,992
+HK$4,056/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,872/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,458 · Scale 2, in force from 26 Feb 2026)