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$36,339
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,469
−HK$1,149/mo
Today · 4.125%
HK$38,618
baseline
▲ 0.50% · 4.625%
HK$40,967
+HK$2,349/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,236/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,427
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,511
−HK$1,100/mo
Today · 4.125%
HK$42,611
baseline
▲ 0.50% · 4.625%
HK$44,857
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,222/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,607
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,963
−HK$1,378/mo
Today · 4.125%
HK$46,341
baseline
▲ 0.50% · 4.625%
HK$49,161
+HK$2,820/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,682/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,512
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,813
−HK$1,320/mo
Today · 4.125%
HK$51,133
baseline
▲ 0.50% · 4.625%
HK$53,828
+HK$2,695/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,266/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,874
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,457
−HK$1,608/mo
Today · 4.125%
HK$54,065
baseline
▲ 0.50% · 4.625%
HK$57,354
+HK$3,289/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,130/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,597
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,115
−HK$1,540/mo
Today · 4.125%
HK$59,655
baseline
▲ 0.50% · 4.625%
HK$62,800
+HK$3,145/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,310/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,410
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,445
−HK$2,067/mo
Today · 4.125%
HK$69,512
baseline
▲ 0.50% · 4.625%
HK$73,741
+HK$4,229/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$139,024/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,768
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,720
−HK$1,979/mo
Today · 4.125%
HK$76,699
baseline
▲ 0.50% · 4.625%
HK$80,742
+HK$4,043/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,398/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,612 · Scale 2, in force from 26 Feb 2026)