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$35,952
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,070
−HK$1,136/mo
Today · 4.125%
HK$38,206
baseline
▲ 0.50% · 4.625%
HK$40,531
+HK$2,325/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,412/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,996
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,069
−HK$1,088/mo
Today · 4.125%
HK$42,157
baseline
▲ 0.50% · 4.625%
HK$44,379
+HK$2,222/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,314/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,142
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,484
−HK$1,364/mo
Today · 4.125%
HK$45,848
baseline
▲ 0.50% · 4.625%
HK$48,637
+HK$2,789/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,696/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,995
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,283
−HK$1,305/mo
Today · 4.125%
HK$50,588
baseline
▲ 0.50% · 4.625%
HK$53,255
+HK$2,667/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,176/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,333
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,898
−HK$1,591/mo
Today · 4.125%
HK$53,489
baseline
▲ 0.50% · 4.625%
HK$56,744
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,978/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,995
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,496
−HK$1,524/mo
Today · 4.125%
HK$59,020
baseline
▲ 0.50% · 4.625%
HK$62,131
+HK$3,111/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,040/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,713
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,726
−HK$2,046/mo
Today · 4.125%
HK$68,772
baseline
▲ 0.50% · 4.625%
HK$72,956
+HK$4,184/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,544/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,993
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,924
−HK$1,959/mo
Today · 4.125%
HK$75,883
baseline
▲ 0.50% · 4.625%
HK$79,882
+HK$3,999/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,766/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,248 · Scale 2, in force from 26 Feb 2026)