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$36,010
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,130
−HK$1,138/mo
Today · 4.125%
HK$38,268
baseline
▲ 0.50% · 4.625%
HK$40,597
+HK$2,329/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,536/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,061
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,135
−HK$1,090/mo
Today · 4.125%
HK$42,225
baseline
▲ 0.50% · 4.625%
HK$44,451
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,450/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,212
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,556
−HK$1,366/mo
Today · 4.125%
HK$45,922
baseline
▲ 0.50% · 4.625%
HK$48,716
+HK$2,794/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,844/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,073
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,363
−HK$1,308/mo
Today · 4.125%
HK$50,671
baseline
▲ 0.50% · 4.625%
HK$53,341
+HK$2,670/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,342/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,414
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,983
−HK$1,593/mo
Today · 4.125%
HK$53,576
baseline
▲ 0.50% · 4.625%
HK$56,836
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,152/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,086
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,590
−HK$1,526/mo
Today · 4.125%
HK$59,116
baseline
▲ 0.50% · 4.625%
HK$62,232
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,232/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,819
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,835
−HK$2,048/mo
Today · 4.125%
HK$68,883
baseline
▲ 0.50% · 4.625%
HK$73,075
+HK$4,192/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,766/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,110
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,044
−HK$1,962/mo
Today · 4.125%
HK$76,006
baseline
▲ 0.50% · 4.625%
HK$80,012
+HK$4,006/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$152,012/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,208 · Scale 2, in force from 26 Feb 2026)