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$35,934
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,051
−HK$1,136/mo
Today · 4.125%
HK$38,187
baseline
▲ 0.50% · 4.625%
HK$40,511
+HK$2,324/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,374/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,976
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,048
−HK$1,088/mo
Today · 4.125%
HK$42,136
baseline
▲ 0.50% · 4.625%
HK$44,357
+HK$2,221/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,272/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,120
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,462
−HK$1,362/mo
Today · 4.125%
HK$45,824
baseline
▲ 0.50% · 4.625%
HK$48,613
+HK$2,789/mo
Deposit HK$6.30M · loan HK$9.46M · min. income ≈ HK$91,648/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,971
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,258
−HK$1,305/mo
Today · 4.125%
HK$50,563
baseline
▲ 0.50% · 4.625%
HK$53,228
+HK$2,665/mo
Deposit HK$6.30M · loan HK$9.46M · min. income ≈ HK$101,126/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,307
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,872
−HK$1,590/mo
Today · 4.125%
HK$53,462
baseline
▲ 0.50% · 4.625%
HK$56,715
+HK$3,253/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,924/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,966
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,467
−HK$1,523/mo
Today · 4.125%
HK$58,990
baseline
▲ 0.50% · 4.625%
HK$62,099
+HK$3,109/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,980/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,681
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,693
−HK$2,044/mo
Today · 4.125%
HK$68,737
baseline
▲ 0.50% · 4.625%
HK$72,919
+HK$4,182/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,474/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,956
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,886
−HK$1,958/mo
Today · 4.125%
HK$75,844
baseline
▲ 0.50% · 4.625%
HK$79,842
+HK$3,998/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,688/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,948 · Scale 2, in force from 26 Feb 2026)