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$35,917
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,034
−HK$1,135/mo
Today · 4.125%
HK$38,169
baseline
▲ 0.50% · 4.625%
HK$40,492
+HK$2,323/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,338/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,957
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,029
−HK$1,087/mo
Today · 4.125%
HK$42,116
baseline
▲ 0.50% · 4.625%
HK$44,336
+HK$2,220/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,232/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,100
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,441
−HK$1,362/mo
Today · 4.125%
HK$45,803
baseline
▲ 0.50% · 4.625%
HK$48,590
+HK$2,787/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,606/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,949
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,235
−HK$1,304/mo
Today · 4.125%
HK$50,539
baseline
▲ 0.50% · 4.625%
HK$53,203
+HK$2,664/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,078/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,284
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,848
−HK$1,589/mo
Today · 4.125%
HK$53,437
baseline
▲ 0.50% · 4.625%
HK$56,688
+HK$3,251/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,874/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,940
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,440
−HK$1,522/mo
Today · 4.125%
HK$58,962
baseline
▲ 0.50% · 4.625%
HK$62,070
+HK$3,108/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,924/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,650
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,661
−HK$2,043/mo
Today · 4.125%
HK$68,704
baseline
▲ 0.50% · 4.625%
HK$72,885
+HK$4,181/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,408/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,923
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,852
−HK$1,957/mo
Today · 4.125%
HK$75,809
baseline
▲ 0.50% · 4.625%
HK$79,805
+HK$3,996/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,618/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,672 · Scale 2, in force from 26 Feb 2026)