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$36,366
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,497
−HK$1,149/mo
Today · 4.125%
HK$38,646
baseline
▲ 0.50% · 4.625%
HK$40,998
+HK$2,352/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,292/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,457
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,542
−HK$1,101/mo
Today · 4.125%
HK$42,643
baseline
▲ 0.50% · 4.625%
HK$44,890
+HK$2,247/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,286/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,639
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,997
−HK$1,379/mo
Today · 4.125%
HK$46,376
baseline
▲ 0.50% · 4.625%
HK$49,198
+HK$2,822/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,752/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,548
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,850
−HK$1,321/mo
Today · 4.125%
HK$51,171
baseline
▲ 0.50% · 4.625%
HK$53,868
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,342/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,912
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,496
−HK$1,609/mo
Today · 4.125%
HK$54,105
baseline
▲ 0.50% · 4.625%
HK$57,397
+HK$3,292/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,210/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,640
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,159
−HK$1,541/mo
Today · 4.125%
HK$59,700
baseline
▲ 0.50% · 4.625%
HK$62,846
+HK$3,146/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,400/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,459
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,495
−HK$2,069/mo
Today · 4.125%
HK$69,564
baseline
▲ 0.50% · 4.625%
HK$73,796
+HK$4,232/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,128/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,822
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,775
−HK$1,982/mo
Today · 4.125%
HK$76,757
baseline
▲ 0.50% · 4.625%
HK$80,803
+HK$4,046/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,514/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,059 · Scale 2, in force from 26 Feb 2026)