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$35,948
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,066
−HK$1,136/mo
Today · 4.125%
HK$38,202
baseline
▲ 0.50% · 4.625%
HK$40,527
+HK$2,325/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,404/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,992
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,065
−HK$1,088/mo
Today · 4.125%
HK$42,153
baseline
▲ 0.50% · 4.625%
HK$44,375
+HK$2,222/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,306/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,138
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,480
−HK$1,363/mo
Today · 4.125%
HK$45,843
baseline
▲ 0.50% · 4.625%
HK$48,632
+HK$2,789/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,686/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,990
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,278
−HK$1,305/mo
Today · 4.125%
HK$50,583
baseline
▲ 0.50% · 4.625%
HK$53,250
+HK$2,667/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,166/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,328
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,893
−HK$1,590/mo
Today · 4.125%
HK$53,483
baseline
▲ 0.50% · 4.625%
HK$56,738
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,966/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,989
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,490
−HK$1,524/mo
Today · 4.125%
HK$59,014
baseline
▲ 0.50% · 4.625%
HK$62,124
+HK$3,110/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,028/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,707
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,720
−HK$2,044/mo
Today · 4.125%
HK$68,764
baseline
▲ 0.50% · 4.625%
HK$72,949
+HK$4,185/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,528/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,986
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,916
−HK$1,959/mo
Today · 4.125%
HK$75,875
baseline
▲ 0.50% · 4.625%
HK$79,874
+HK$3,999/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,750/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,188 · Scale 2, in force from 26 Feb 2026)