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$35,921
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,038
−HK$1,136/mo
Today · 4.125%
HK$38,174
baseline
▲ 0.50% · 4.625%
HK$40,496
+HK$2,322/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,348/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,962
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,034
−HK$1,087/mo
Today · 4.125%
HK$42,121
baseline
▲ 0.50% · 4.625%
HK$44,341
+HK$2,220/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,242/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,105
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,446
−HK$1,362/mo
Today · 4.125%
HK$45,808
baseline
▲ 0.50% · 4.625%
HK$48,596
+HK$2,788/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,616/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,954
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,240
−HK$1,305/mo
Today · 4.125%
HK$50,545
baseline
▲ 0.50% · 4.625%
HK$53,209
+HK$2,664/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,090/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,290
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,854
−HK$1,589/mo
Today · 4.125%
HK$53,443
baseline
▲ 0.50% · 4.625%
HK$56,695
+HK$3,252/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,886/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,947
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,447
−HK$1,522/mo
Today · 4.125%
HK$58,969
baseline
▲ 0.50% · 4.625%
HK$62,078
+HK$3,109/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,938/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,658
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,669
−HK$2,044/mo
Today · 4.125%
HK$68,713
baseline
▲ 0.50% · 4.625%
HK$72,894
+HK$4,181/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,426/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,931
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,861
−HK$1,957/mo
Today · 4.125%
HK$75,818
baseline
▲ 0.50% · 4.625%
HK$79,814
+HK$3,996/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,636/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,742 · Scale 2, in force from 26 Feb 2026)