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$36,348
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,479
−HK$1,149/mo
Today · 4.125%
HK$38,628
baseline
▲ 0.50% · 4.625%
HK$40,978
+HK$2,350/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,256/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,437
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,522
−HK$1,100/mo
Today · 4.125%
HK$42,622
baseline
▲ 0.50% · 4.625%
HK$44,868
+HK$2,246/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,244/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,618
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,975
−HK$1,378/mo
Today · 4.125%
HK$46,353
baseline
▲ 0.50% · 4.625%
HK$49,174
+HK$2,821/mo
Deposit HK$6.38M · loan HK$9.56M · min. income ≈ HK$92,706/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,524
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,826
−HK$1,320/mo
Today · 4.125%
HK$51,146
baseline
▲ 0.50% · 4.625%
HK$53,842
+HK$2,696/mo
Deposit HK$6.38M · loan HK$9.56M · min. income ≈ HK$102,292/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,887
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,470
−HK$1,609/mo
Today · 4.125%
HK$54,079
baseline
▲ 0.50% · 4.625%
HK$57,369
+HK$3,290/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,158/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,612
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,130
−HK$1,540/mo
Today · 4.125%
HK$59,670
baseline
▲ 0.50% · 4.625%
HK$62,816
+HK$3,146/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,340/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,427
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,462
−HK$2,068/mo
Today · 4.125%
HK$69,530
baseline
▲ 0.50% · 4.625%
HK$73,760
+HK$4,230/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,060/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,787
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,739
−HK$1,980/mo
Today · 4.125%
HK$76,719
baseline
▲ 0.50% · 4.625%
HK$80,763
+HK$4,044/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,438/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,765 · Scale 2, in force from 26 Feb 2026)