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$36,390
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,522
−HK$1,150/mo
Today · 4.125%
HK$38,672
baseline
▲ 0.50% · 4.625%
HK$41,025
+HK$2,353/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,344/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,483
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,569
−HK$1,101/mo
Today · 4.125%
HK$42,670
baseline
▲ 0.50% · 4.625%
HK$44,920
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,340/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,668
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,026
−HK$1,380/mo
Today · 4.125%
HK$46,406
baseline
▲ 0.50% · 4.625%
HK$49,230
+HK$2,824/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$92,812/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,580
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,883
−HK$1,322/mo
Today · 4.125%
HK$51,205
baseline
▲ 0.50% · 4.625%
HK$53,904
+HK$2,699/mo
Deposit HK$6.38M · loan HK$9.58M · min. income ≈ HK$102,410/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,946
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,530
−HK$1,610/mo
Today · 4.125%
HK$54,140
baseline
▲ 0.50% · 4.625%
HK$57,435
+HK$3,295/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,280/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,677
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,197
−HK$1,542/mo
Today · 4.125%
HK$59,739
baseline
▲ 0.50% · 4.625%
HK$62,888
+HK$3,149/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,478/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,502
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,539
−HK$2,070/mo
Today · 4.125%
HK$69,609
baseline
▲ 0.50% · 4.625%
HK$73,845
+HK$4,236/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,218/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,870
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,824
−HK$1,983/mo
Today · 4.125%
HK$76,807
baseline
▲ 0.50% · 4.625%
HK$80,855
+HK$4,048/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,614/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,449 · Scale 2, in force from 26 Feb 2026)