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$36,016
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,136
−HK$1,139/mo
Today · 4.125%
HK$38,275
baseline
▲ 0.50% · 4.625%
HK$40,604
+HK$2,329/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,550/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,068
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,142
−HK$1,090/mo
Today · 4.125%
HK$42,232
baseline
▲ 0.50% · 4.625%
HK$44,458
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,464/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,219
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,564
−HK$1,366/mo
Today · 4.125%
HK$45,930
baseline
▲ 0.50% · 4.625%
HK$48,724
+HK$2,794/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,860/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,081
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,371
−HK$1,308/mo
Today · 4.125%
HK$50,679
baseline
▲ 0.50% · 4.625%
HK$53,350
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,358/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,423
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,991
−HK$1,594/mo
Today · 4.125%
HK$53,585
baseline
▲ 0.50% · 4.625%
HK$56,845
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,170/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,095
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,599
−HK$1,526/mo
Today · 4.125%
HK$59,125
baseline
▲ 0.50% · 4.625%
HK$62,242
+HK$3,117/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,250/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,829
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,846
−HK$2,048/mo
Today · 4.125%
HK$68,894
baseline
▲ 0.50% · 4.625%
HK$73,087
+HK$4,193/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,788/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,122
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,056
−HK$1,962/mo
Today · 4.125%
HK$76,018
baseline
▲ 0.50% · 4.625%
HK$80,025
+HK$4,007/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,036/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,305 · Scale 2, in force from 26 Feb 2026)