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$35,947
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,066
−HK$1,136/mo
Today · 4.125%
HK$38,202
baseline
▲ 0.50% · 4.625%
HK$40,526
+HK$2,324/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$591,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,991
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,064
−HK$1,088/mo
Today · 4.125%
HK$42,152
baseline
▲ 0.50% · 4.625%
HK$44,374
+HK$2,222/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,304/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,137
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,479
−HK$1,363/mo
Today · 4.125%
HK$45,842
baseline
▲ 0.50% · 4.625%
HK$48,631
+HK$2,789/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,684/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,989
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,276
−HK$1,306/mo
Today · 4.125%
HK$50,582
baseline
▲ 0.50% · 4.625%
HK$53,248
+HK$2,666/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,164/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,326
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,892
−HK$1,590/mo
Today · 4.125%
HK$53,482
baseline
▲ 0.50% · 4.625%
HK$56,737
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,964/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,988
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,489
−HK$1,523/mo
Today · 4.125%
HK$59,012
baseline
▲ 0.50% · 4.625%
HK$62,123
+HK$3,111/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,024/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,705
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,718
−HK$2,045/mo
Today · 4.125%
HK$68,763
baseline
▲ 0.50% · 4.625%
HK$72,947
+HK$4,184/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,526/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,984
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,915
−HK$1,958/mo
Today · 4.125%
HK$75,873
baseline
▲ 0.50% · 4.625%
HK$79,873
+HK$4,000/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,746/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,175 · Scale 2, in force from 26 Feb 2026)