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$36,436
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,569
−HK$1,152/mo
Today · 4.125%
HK$38,721
baseline
▲ 0.50% · 4.625%
HK$41,077
+HK$2,356/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,442/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,535
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,622
−HK$1,103/mo
Today · 4.125%
HK$42,725
baseline
▲ 0.50% · 4.625%
HK$44,977
+HK$2,252/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,450/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,723
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,083
−HK$1,382/mo
Today · 4.125%
HK$46,465
baseline
▲ 0.50% · 4.625%
HK$49,292
+HK$2,827/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,930/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,642
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,946
−HK$1,324/mo
Today · 4.125%
HK$51,270
baseline
▲ 0.50% · 4.625%
HK$53,972
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,540/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,010
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,597
−HK$1,612/mo
Today · 4.125%
HK$54,209
baseline
▲ 0.50% · 4.625%
HK$57,508
+HK$3,299/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$108,418/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,749
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,271
−HK$1,543/mo
Today · 4.125%
HK$59,814
baseline
▲ 0.50% · 4.625%
HK$62,967
+HK$3,153/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$119,628/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,585
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,625
−HK$2,073/mo
Today · 4.125%
HK$69,698
baseline
▲ 0.50% · 4.625%
HK$73,938
+HK$4,240/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,396/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,962
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,919
−HK$1,985/mo
Today · 4.125%
HK$76,904
baseline
▲ 0.50% · 4.625%
HK$80,958
+HK$4,054/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,808/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,209 · Scale 2, in force from 26 Feb 2026)