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$36,447
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,580
−HK$1,152/mo
Today · 4.125%
HK$38,732
baseline
▲ 0.50% · 4.625%
HK$41,089
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,464/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,547
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,634
−HK$1,103/mo
Today · 4.125%
HK$42,737
baseline
▲ 0.50% · 4.625%
HK$44,990
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,474/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,736
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,096
−HK$1,383/mo
Today · 4.125%
HK$46,479
baseline
▲ 0.50% · 4.625%
HK$49,307
+HK$2,828/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,958/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,656
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,961
−HK$1,324/mo
Today · 4.125%
HK$51,285
baseline
▲ 0.50% · 4.625%
HK$53,988
+HK$2,703/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,570/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,025
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,612
−HK$1,613/mo
Today · 4.125%
HK$54,225
baseline
▲ 0.50% · 4.625%
HK$57,524
+HK$3,299/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,450/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,765
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,288
−HK$1,544/mo
Today · 4.125%
HK$59,832
baseline
▲ 0.50% · 4.625%
HK$62,986
+HK$3,154/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,664/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,604
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,645
−HK$2,073/mo
Today · 4.125%
HK$69,718
baseline
▲ 0.50% · 4.625%
HK$73,960
+HK$4,242/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,436/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,984
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,941
−HK$1,986/mo
Today · 4.125%
HK$76,927
baseline
▲ 0.50% · 4.625%
HK$80,982
+HK$4,055/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,854/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,384 · Scale 2, in force from 26 Feb 2026)