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$36,021
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,141
−HK$1,138/mo
Today · 4.125%
HK$38,279
baseline
▲ 0.50% · 4.625%
HK$40,609
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,558/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,073
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,147
−HK$1,091/mo
Today · 4.125%
HK$42,238
baseline
▲ 0.50% · 4.625%
HK$44,464
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,476/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,225
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,569
−HK$1,366/mo
Today · 4.125%
HK$45,935
baseline
▲ 0.50% · 4.625%
HK$48,730
+HK$2,795/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,870/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,087
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,377
−HK$1,308/mo
Today · 4.125%
HK$50,685
baseline
▲ 0.50% · 4.625%
HK$53,357
+HK$2,672/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,370/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,429
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,998
−HK$1,593/mo
Today · 4.125%
HK$53,591
baseline
▲ 0.50% · 4.625%
HK$56,852
+HK$3,261/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,182/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,102
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,606
−HK$1,527/mo
Today · 4.125%
HK$59,133
baseline
▲ 0.50% · 4.625%
HK$62,250
+HK$3,117/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,266/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,837
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,854
−HK$2,049/mo
Today · 4.125%
HK$68,903
baseline
▲ 0.50% · 4.625%
HK$73,096
+HK$4,193/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,806/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,131
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,065
−HK$1,963/mo
Today · 4.125%
HK$76,028
baseline
▲ 0.50% · 4.625%
HK$80,035
+HK$4,007/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,056/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,379 · Scale 2, in force from 26 Feb 2026)