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$35,920
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,037
−HK$1,135/mo
Today · 4.125%
HK$38,172
baseline
▲ 0.50% · 4.625%
HK$40,495
+HK$2,323/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,344/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,961
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,032
−HK$1,088/mo
Today · 4.125%
HK$42,120
baseline
▲ 0.50% · 4.625%
HK$44,340
+HK$2,220/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,240/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,104
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,445
−HK$1,362/mo
Today · 4.125%
HK$45,807
baseline
▲ 0.50% · 4.625%
HK$48,594
+HK$2,787/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,614/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,953
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,239
−HK$1,305/mo
Today · 4.125%
HK$50,544
baseline
▲ 0.50% · 4.625%
HK$53,208
+HK$2,664/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,088/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,288
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,852
−HK$1,589/mo
Today · 4.125%
HK$53,441
baseline
▲ 0.50% · 4.625%
HK$56,693
+HK$3,252/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,882/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,945
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,445
−HK$1,522/mo
Today · 4.125%
HK$58,967
baseline
▲ 0.50% · 4.625%
HK$62,076
+HK$3,109/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,934/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,656
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,667
−HK$2,043/mo
Today · 4.125%
HK$68,710
baseline
▲ 0.50% · 4.625%
HK$72,891
+HK$4,181/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,420/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,929
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,858
−HK$1,957/mo
Today · 4.125%
HK$75,815
baseline
▲ 0.50% · 4.625%
HK$79,812
+HK$3,997/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,630/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,723 · Scale 2, in force from 26 Feb 2026)