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$36,015
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,136
−HK$1,138/mo
Today · 4.125%
HK$38,274
baseline
▲ 0.50% · 4.625%
HK$40,603
+HK$2,329/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,548/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,067
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,141
−HK$1,091/mo
Today · 4.125%
HK$42,232
baseline
▲ 0.50% · 4.625%
HK$44,458
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,464/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,219
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,563
−HK$1,366/mo
Today · 4.125%
HK$45,929
baseline
▲ 0.50% · 4.625%
HK$48,723
+HK$2,794/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,858/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,080
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,370
−HK$1,308/mo
Today · 4.125%
HK$50,678
baseline
▲ 0.50% · 4.625%
HK$53,349
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,356/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,422
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,990
−HK$1,594/mo
Today · 4.125%
HK$53,584
baseline
▲ 0.50% · 4.625%
HK$56,844
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,168/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,094
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,598
−HK$1,526/mo
Today · 4.125%
HK$59,124
baseline
▲ 0.50% · 4.625%
HK$62,241
+HK$3,117/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,248/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,828
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,844
−HK$2,049/mo
Today · 4.125%
HK$68,893
baseline
▲ 0.50% · 4.625%
HK$73,085
+HK$4,192/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,786/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,120
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,055
−HK$1,962/mo
Today · 4.125%
HK$76,017
baseline
▲ 0.50% · 4.625%
HK$80,024
+HK$4,007/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,034/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,293 · Scale 2, in force from 26 Feb 2026)