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$35,926
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,044
−HK$1,135/mo
Today · 4.125%
HK$38,179
baseline
▲ 0.50% · 4.625%
HK$40,502
+HK$2,323/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,358/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,968
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,040
−HK$1,087/mo
Today · 4.125%
HK$42,127
baseline
▲ 0.50% · 4.625%
HK$44,348
+HK$2,221/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,254/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,112
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,453
−HK$1,362/mo
Today · 4.125%
HK$45,815
baseline
▲ 0.50% · 4.625%
HK$48,603
+HK$2,788/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,630/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,961
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,248
−HK$1,304/mo
Today · 4.125%
HK$50,552
baseline
▲ 0.50% · 4.625%
HK$53,217
+HK$2,665/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,104/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,297
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,861
−HK$1,590/mo
Today · 4.125%
HK$53,451
baseline
▲ 0.50% · 4.625%
HK$56,703
+HK$3,252/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,902/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,955
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,455
−HK$1,523/mo
Today · 4.125%
HK$58,978
baseline
▲ 0.50% · 4.625%
HK$62,087
+HK$3,109/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,956/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,667
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,679
−HK$2,044/mo
Today · 4.125%
HK$68,723
baseline
▲ 0.50% · 4.625%
HK$72,904
+HK$4,181/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,446/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,942
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,871
−HK$1,958/mo
Today · 4.125%
HK$75,829
baseline
▲ 0.50% · 4.625%
HK$79,826
+HK$3,997/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,658/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,828 · Scale 2, in force from 26 Feb 2026)