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$2,255/mo
▼ 0.25% · 3.875%
HK$37,071
−HK$1,136/mo
Today · 4.125%
HK$38,207
baseline
▲ 0.50% · 4.625%
HK$40,532
+HK$2,325/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,414/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,997
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,069
−HK$1,089/mo
Today · 4.125%
HK$42,158
baseline
▲ 0.50% · 4.625%
HK$44,380
+HK$2,222/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,316/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,143
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,485
−HK$1,363/mo
Today · 4.125%
HK$45,848
baseline
▲ 0.50% · 4.625%
HK$48,638
+HK$2,790/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$591,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,996
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,283
−HK$1,306/mo
Today · 4.125%
HK$50,589
baseline
▲ 0.50% · 4.625%
HK$53,256
+HK$2,667/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,178/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,333
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,899
−HK$1,591/mo
Today · 4.125%
HK$53,490
baseline
▲ 0.50% · 4.625%
HK$56,745
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,980/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,996
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,497
−HK$1,524/mo
Today · 4.125%
HK$59,021
baseline
▲ 0.50% · 4.625%
HK$62,132
+HK$3,111/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,042/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,714
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,727
−HK$2,046/mo
Today · 4.125%
HK$68,773
baseline
▲ 0.50% · 4.625%
HK$72,957
+HK$4,184/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,546/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,994
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,925
−HK$1,959/mo
Today · 4.125%
HK$75,884
baseline
▲ 0.50% · 4.625%
HK$79,884
+HK$4,000/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,768/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,258 · Scale 2, in force from 26 Feb 2026)