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$35,942
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,060
−HK$1,136/mo
Today · 4.125%
HK$38,196
baseline
▲ 0.50% · 4.625%
HK$40,520
+HK$2,324/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,392/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,985
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,057
−HK$1,088/mo
Today · 4.125%
HK$42,145
baseline
▲ 0.50% · 4.625%
HK$44,367
+HK$2,222/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,290/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,130
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,472
−HK$1,363/mo
Today · 4.125%
HK$45,835
baseline
▲ 0.50% · 4.625%
HK$48,624
+HK$2,789/mo
Deposit HK$6.30M · loan HK$9.46M · min. income ≈ HK$91,670/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,982
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,269
−HK$1,305/mo
Today · 4.125%
HK$50,574
baseline
▲ 0.50% · 4.625%
HK$53,240
+HK$2,666/mo
Deposit HK$6.30M · loan HK$9.46M · min. income ≈ HK$101,148/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,319
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,884
−HK$1,590/mo
Today · 4.125%
HK$53,474
baseline
▲ 0.50% · 4.625%
HK$56,728
+HK$3,254/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,948/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,979
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,480
−HK$1,523/mo
Today · 4.125%
HK$59,003
baseline
▲ 0.50% · 4.625%
HK$62,114
+HK$3,111/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$118,006/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,695
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,708
−HK$2,044/mo
Today · 4.125%
HK$68,752
baseline
▲ 0.50% · 4.625%
HK$72,936
+HK$4,184/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,504/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,973
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,903
−HK$1,959/mo
Today · 4.125%
HK$75,862
baseline
▲ 0.50% · 4.625%
HK$79,860
+HK$3,998/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,724/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,084 · Scale 2, in force from 26 Feb 2026)