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$35,915
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,032
−HK$1,136/mo
Today · 4.125%
HK$38,168
baseline
▲ 0.50% · 4.625%
HK$40,490
+HK$2,322/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,336/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,955
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,027
−HK$1,087/mo
Today · 4.125%
HK$42,114
baseline
▲ 0.50% · 4.625%
HK$44,334
+HK$2,220/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,228/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,098
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,439
−HK$1,362/mo
Today · 4.125%
HK$45,801
baseline
▲ 0.50% · 4.625%
HK$48,588
+HK$2,787/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,602/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,946
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,232
−HK$1,305/mo
Today · 4.125%
HK$50,537
baseline
▲ 0.50% · 4.625%
HK$53,201
+HK$2,664/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,074/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,281
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,845
−HK$1,590/mo
Today · 4.125%
HK$53,435
baseline
▲ 0.50% · 4.625%
HK$56,686
+HK$3,251/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,870/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,938
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,438
−HK$1,522/mo
Today · 4.125%
HK$58,960
baseline
▲ 0.50% · 4.625%
HK$62,068
+HK$3,108/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,920/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,648
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,658
−HK$2,044/mo
Today · 4.125%
HK$68,702
baseline
▲ 0.50% · 4.625%
HK$72,882
+HK$4,180/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,404/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,920
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,849
−HK$1,956/mo
Today · 4.125%
HK$75,805
baseline
▲ 0.50% · 4.625%
HK$79,801
+HK$3,996/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,610/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,646 · Scale 2, in force from 26 Feb 2026)