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$35,925
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,043
−HK$1,135/mo
Today · 4.125%
HK$38,178
baseline
▲ 0.50% · 4.625%
HK$40,501
+HK$2,323/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,356/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,966
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,038
−HK$1,088/mo
Today · 4.125%
HK$42,126
baseline
▲ 0.50% · 4.625%
HK$44,346
+HK$2,220/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,252/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,110
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,451
−HK$1,363/mo
Today · 4.125%
HK$45,814
baseline
▲ 0.50% · 4.625%
HK$48,601
+HK$2,787/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,628/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,960
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,246
−HK$1,305/mo
Today · 4.125%
HK$50,551
baseline
▲ 0.50% · 4.625%
HK$53,215
+HK$2,664/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,102/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,295
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,860
−HK$1,589/mo
Today · 4.125%
HK$53,449
baseline
▲ 0.50% · 4.625%
HK$56,701
+HK$3,252/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,898/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,953
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,454
−HK$1,522/mo
Today · 4.125%
HK$58,976
baseline
▲ 0.50% · 4.625%
HK$62,085
+HK$3,109/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,952/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,665
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,677
−HK$2,043/mo
Today · 4.125%
HK$68,720
baseline
▲ 0.50% · 4.625%
HK$72,902
+HK$4,182/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,440/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,940
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,869
−HK$1,957/mo
Today · 4.125%
HK$75,826
baseline
▲ 0.50% · 4.625%
HK$79,823
+HK$3,997/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,652/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,809 · Scale 2, in force from 26 Feb 2026)