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$36,332
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,462
−HK$1,149/mo
Today · 4.125%
HK$38,611
baseline
▲ 0.50% · 4.625%
HK$40,960
+HK$2,349/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,222/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,419
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,503
−HK$1,100/mo
Today · 4.125%
HK$42,603
baseline
▲ 0.50% · 4.625%
HK$44,849
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,206/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,599
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,955
−HK$1,378/mo
Today · 4.125%
HK$46,333
baseline
▲ 0.50% · 4.625%
HK$49,152
+HK$2,819/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,666/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,503
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,804
−HK$1,320/mo
Today · 4.125%
HK$51,124
baseline
▲ 0.50% · 4.625%
HK$53,818
+HK$2,694/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,248/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,865
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,447
−HK$1,608/mo
Today · 4.125%
HK$54,055
baseline
▲ 0.50% · 4.625%
HK$57,344
+HK$3,289/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,110/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,587
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,105
−HK$1,539/mo
Today · 4.125%
HK$59,644
baseline
▲ 0.50% · 4.625%
HK$62,788
+HK$3,144/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,288/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,398
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,432
−HK$2,067/mo
Today · 4.125%
HK$69,499
baseline
▲ 0.50% · 4.625%
HK$73,728
+HK$4,229/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$138,998/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,755
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,706
−HK$1,979/mo
Today · 4.125%
HK$76,685
baseline
▲ 0.50% · 4.625%
HK$80,728
+HK$4,043/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,370/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,503 · Scale 2, in force from 26 Feb 2026)