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$35,956
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,074
−HK$1,136/mo
Today · 4.125%
HK$38,210
baseline
▲ 0.50% · 4.625%
HK$40,535
+HK$2,325/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,420/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,000
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,073
−HK$1,088/mo
Today · 4.125%
HK$42,161
baseline
▲ 0.50% · 4.625%
HK$44,384
+HK$2,223/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,322/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,147
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,489
−HK$1,363/mo
Today · 4.125%
HK$45,852
baseline
▲ 0.50% · 4.625%
HK$48,642
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,704/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,000
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,288
−HK$1,306/mo
Today · 4.125%
HK$50,594
baseline
▲ 0.50% · 4.625%
HK$53,260
+HK$2,666/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,188/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,338
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,904
−HK$1,590/mo
Today · 4.125%
HK$53,494
baseline
▲ 0.50% · 4.625%
HK$56,749
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,988/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,000
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,502
−HK$1,524/mo
Today · 4.125%
HK$59,026
baseline
▲ 0.50% · 4.625%
HK$62,137
+HK$3,111/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,052/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,720
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,733
−HK$2,046/mo
Today · 4.125%
HK$68,779
baseline
▲ 0.50% · 4.625%
HK$72,964
+HK$4,185/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,558/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,000
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,931
−HK$1,959/mo
Today · 4.125%
HK$75,890
baseline
▲ 0.50% · 4.625%
HK$79,891
+HK$4,001/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,780/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,309 · Scale 2, in force from 26 Feb 2026)