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$36,010
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,130
−HK$1,138/mo
Today · 4.125%
HK$38,268
baseline
▲ 0.50% · 4.625%
HK$40,596
+HK$2,328/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,536/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,060
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,135
−HK$1,090/mo
Today · 4.125%
HK$42,225
baseline
▲ 0.50% · 4.625%
HK$44,450
+HK$2,225/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,450/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,211
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,556
−HK$1,365/mo
Today · 4.125%
HK$45,921
baseline
▲ 0.50% · 4.625%
HK$48,715
+HK$2,794/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,842/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,072
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,362
−HK$1,307/mo
Today · 4.125%
HK$50,669
baseline
▲ 0.50% · 4.625%
HK$53,340
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,338/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,413
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,981
−HK$1,594/mo
Today · 4.125%
HK$53,575
baseline
▲ 0.50% · 4.625%
HK$56,835
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,150/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,084
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,588
−HK$1,526/mo
Today · 4.125%
HK$59,114
baseline
▲ 0.50% · 4.625%
HK$62,230
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,228/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,817
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,833
−HK$2,049/mo
Today · 4.125%
HK$68,882
baseline
▲ 0.50% · 4.625%
HK$73,073
+HK$4,191/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,764/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,108
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,042
−HK$1,962/mo
Today · 4.125%
HK$76,004
baseline
▲ 0.50% · 4.625%
HK$80,011
+HK$4,007/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$152,008/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,196 · Scale 2, in force from 26 Feb 2026)