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$36,035
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,156
−HK$1,139/mo
Today · 4.125%
HK$38,295
baseline
▲ 0.50% · 4.625%
HK$40,625
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,590/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,088
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,164
−HK$1,090/mo
Today · 4.125%
HK$42,254
baseline
▲ 0.50% · 4.625%
HK$44,482
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,508/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,242
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,587
−HK$1,366/mo
Today · 4.125%
HK$45,953
baseline
▲ 0.50% · 4.625%
HK$48,750
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,906/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,106
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,396
−HK$1,309/mo
Today · 4.125%
HK$50,705
baseline
▲ 0.50% · 4.625%
HK$53,378
+HK$2,673/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,410/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,449
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,018
−HK$1,594/mo
Today · 4.125%
HK$53,612
baseline
▲ 0.50% · 4.625%
HK$56,875
+HK$3,263/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,224/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,124
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,629
−HK$1,527/mo
Today · 4.125%
HK$59,156
baseline
▲ 0.50% · 4.625%
HK$62,274
+HK$3,118/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,312/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,863
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,880
−HK$2,050/mo
Today · 4.125%
HK$68,930
baseline
▲ 0.50% · 4.625%
HK$73,124
+HK$4,194/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,860/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,159
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,094
−HK$1,964/mo
Today · 4.125%
HK$76,058
baseline
▲ 0.50% · 4.625%
HK$80,067
+HK$4,009/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,116/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,613 · Scale 2, in force from 26 Feb 2026)