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$35,931
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,048
−HK$1,136/mo
Today · 4.125%
HK$38,184
baseline
▲ 0.50% · 4.625%
HK$40,507
+HK$2,323/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,368/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,972
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,044
−HK$1,088/mo
Today · 4.125%
HK$42,132
baseline
▲ 0.50% · 4.625%
HK$44,353
+HK$2,221/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,264/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,117
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,458
−HK$1,362/mo
Today · 4.125%
HK$45,820
baseline
▲ 0.50% · 4.625%
HK$48,609
+HK$2,789/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,640/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,967
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,253
−HK$1,305/mo
Today · 4.125%
HK$50,558
baseline
▲ 0.50% · 4.625%
HK$53,223
+HK$2,665/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,116/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,303
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,867
−HK$1,590/mo
Today · 4.125%
HK$53,457
baseline
▲ 0.50% · 4.625%
HK$56,710
+HK$3,253/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,914/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,961
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,462
−HK$1,523/mo
Today · 4.125%
HK$58,985
baseline
▲ 0.50% · 4.625%
HK$62,094
+HK$3,109/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,970/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,675
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,687
−HK$2,044/mo
Today · 4.125%
HK$68,731
baseline
▲ 0.50% · 4.625%
HK$72,913
+HK$4,182/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,462/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,950
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,880
−HK$1,958/mo
Today · 4.125%
HK$75,838
baseline
▲ 0.50% · 4.625%
HK$79,835
+HK$3,997/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,676/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,897 · Scale 2, in force from 26 Feb 2026)