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$36,006
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,126
−HK$1,138/mo
Today · 4.125%
HK$38,264
baseline
▲ 0.50% · 4.625%
HK$40,592
+HK$2,328/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,528/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,056
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,131
−HK$1,089/mo
Today · 4.125%
HK$42,220
baseline
▲ 0.50% · 4.625%
HK$44,446
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,440/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,207
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,551
−HK$1,366/mo
Today · 4.125%
HK$45,917
baseline
▲ 0.50% · 4.625%
HK$48,711
+HK$2,794/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$91,834/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,068
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,357
−HK$1,307/mo
Today · 4.125%
HK$50,664
baseline
▲ 0.50% · 4.625%
HK$53,335
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$101,328/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,408
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,976
−HK$1,593/mo
Today · 4.125%
HK$53,569
baseline
▲ 0.50% · 4.625%
HK$56,829
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,138/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,079
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,583
−HK$1,526/mo
Today · 4.125%
HK$59,109
baseline
▲ 0.50% · 4.625%
HK$62,224
+HK$3,115/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,218/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,811
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,827
−HK$2,048/mo
Today · 4.125%
HK$68,875
baseline
▲ 0.50% · 4.625%
HK$73,066
+HK$4,191/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,750/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,101
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,035
−HK$1,962/mo
Today · 4.125%
HK$75,997
baseline
▲ 0.50% · 4.625%
HK$80,003
+HK$4,006/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,994/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,137 · Scale 2, in force from 26 Feb 2026)