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$36,023
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,144
−HK$1,138/mo
Today · 4.125%
HK$38,282
baseline
▲ 0.50% · 4.625%
HK$40,612
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,564/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,076
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,150
−HK$1,091/mo
Today · 4.125%
HK$42,241
baseline
▲ 0.50% · 4.625%
HK$44,467
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,482/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,228
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,573
−HK$1,366/mo
Today · 4.125%
HK$45,939
baseline
▲ 0.50% · 4.625%
HK$48,734
+HK$2,795/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,878/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,091
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,380
−HK$1,309/mo
Today · 4.125%
HK$50,689
baseline
▲ 0.50% · 4.625%
HK$53,361
+HK$2,672/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,378/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,433
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$52,001
−HK$1,594/mo
Today · 4.125%
HK$53,595
baseline
▲ 0.50% · 4.625%
HK$56,856
+HK$3,261/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,190/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,106
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,611
−HK$1,526/mo
Today · 4.125%
HK$59,137
baseline
▲ 0.50% · 4.625%
HK$62,254
+HK$3,117/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,274/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,842
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,859
−HK$2,049/mo
Today · 4.125%
HK$68,908
baseline
▲ 0.50% · 4.625%
HK$73,101
+HK$4,193/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,816/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,136
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,071
−HK$1,962/mo
Today · 4.125%
HK$76,033
baseline
▲ 0.50% · 4.625%
HK$80,041
+HK$4,008/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,066/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,422 · Scale 2, in force from 26 Feb 2026)