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$36,364
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,496
−HK$1,149/mo
Today · 4.125%
HK$38,645
baseline
▲ 0.50% · 4.625%
HK$40,996
+HK$2,351/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,290/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,455
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,540
−HK$1,101/mo
Today · 4.125%
HK$42,641
baseline
▲ 0.50% · 4.625%
HK$44,888
+HK$2,247/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,282/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$598,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,637
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,995
−HK$1,379/mo
Today · 4.125%
HK$46,374
baseline
▲ 0.50% · 4.625%
HK$49,196
+HK$2,822/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,748/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,546
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,848
−HK$1,321/mo
Today · 4.125%
HK$51,169
baseline
▲ 0.50% · 4.625%
HK$53,866
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,338/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,910
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,494
−HK$1,609/mo
Today · 4.125%
HK$54,103
baseline
▲ 0.50% · 4.625%
HK$57,395
+HK$3,292/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,206/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,637
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,156
−HK$1,541/mo
Today · 4.125%
HK$59,697
baseline
▲ 0.50% · 4.625%
HK$62,844
+HK$3,147/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,394/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,456
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,492
−HK$2,069/mo
Today · 4.125%
HK$69,561
baseline
▲ 0.50% · 4.625%
HK$73,793
+HK$4,232/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,122/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,819
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,772
−HK$1,981/mo
Today · 4.125%
HK$76,753
baseline
▲ 0.50% · 4.625%
HK$80,799
+HK$4,046/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,506/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,032 · Scale 2, in force from 26 Feb 2026)