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$36,401
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,534
−HK$1,150/mo
Today · 4.125%
HK$38,684
baseline
▲ 0.50% · 4.625%
HK$41,038
+HK$2,354/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,368/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,496
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,582
−HK$1,102/mo
Today · 4.125%
HK$42,684
baseline
▲ 0.50% · 4.625%
HK$44,934
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,368/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,682
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,041
−HK$1,380/mo
Today · 4.125%
HK$46,421
baseline
▲ 0.50% · 4.625%
HK$49,246
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,842/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,596
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,899
−HK$1,322/mo
Today · 4.125%
HK$51,221
baseline
▲ 0.50% · 4.625%
HK$53,921
+HK$2,700/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,442/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,962
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,547
−HK$1,611/mo
Today · 4.125%
HK$54,158
baseline
▲ 0.50% · 4.625%
HK$57,453
+HK$3,295/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,316/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,695
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,215
−HK$1,543/mo
Today · 4.125%
HK$59,758
baseline
▲ 0.50% · 4.625%
HK$62,908
+HK$3,150/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,516/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,523
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,561
−HK$2,071/mo
Today · 4.125%
HK$69,632
baseline
▲ 0.50% · 4.625%
HK$73,868
+HK$4,236/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,264/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,893
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,848
−HK$1,984/mo
Today · 4.125%
HK$76,832
baseline
▲ 0.50% · 4.625%
HK$80,881
+HK$4,049/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,664/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,642 · Scale 2, in force from 26 Feb 2026)