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$36,011
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,132
−HK$1,138/mo
Today · 4.125%
HK$38,270
baseline
▲ 0.50% · 4.625%
HK$40,598
+HK$2,328/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,540/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,062
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,137
−HK$1,090/mo
Today · 4.125%
HK$42,227
baseline
▲ 0.50% · 4.625%
HK$44,453
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,454/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,214
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,558
−HK$1,366/mo
Today · 4.125%
HK$45,924
baseline
▲ 0.50% · 4.625%
HK$48,718
+HK$2,794/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,848/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,075
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,364
−HK$1,308/mo
Today · 4.125%
HK$50,672
baseline
▲ 0.50% · 4.625%
HK$53,343
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,344/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,416
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,984
−HK$1,594/mo
Today · 4.125%
HK$53,578
baseline
▲ 0.50% · 4.625%
HK$56,838
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,156/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,087
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,592
−HK$1,526/mo
Today · 4.125%
HK$59,118
baseline
▲ 0.50% · 4.625%
HK$62,234
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,236/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,821
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,837
−HK$2,048/mo
Today · 4.125%
HK$68,885
baseline
▲ 0.50% · 4.625%
HK$73,077
+HK$4,192/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,770/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,112
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,046
−HK$1,962/mo
Today · 4.125%
HK$76,008
baseline
▲ 0.50% · 4.625%
HK$80,015
+HK$4,007/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$152,016/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,228 · Scale 2, in force from 26 Feb 2026)