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$35,927
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,045
−HK$1,135/mo
Today · 4.125%
HK$38,180
baseline
▲ 0.50% · 4.625%
HK$40,503
+HK$2,323/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,360/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,969
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,041
−HK$1,087/mo
Today · 4.125%
HK$42,128
baseline
▲ 0.50% · 4.625%
HK$44,349
+HK$2,221/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,256/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,113
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,454
−HK$1,362/mo
Today · 4.125%
HK$45,816
baseline
▲ 0.50% · 4.625%
HK$48,604
+HK$2,788/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,632/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,963
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,249
−HK$1,305/mo
Today · 4.125%
HK$50,554
baseline
▲ 0.50% · 4.625%
HK$53,219
+HK$2,665/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,108/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,298
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,863
−HK$1,589/mo
Today · 4.125%
HK$53,452
baseline
▲ 0.50% · 4.625%
HK$56,705
+HK$3,253/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,904/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,956
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,457
−HK$1,522/mo
Today · 4.125%
HK$58,979
baseline
▲ 0.50% · 4.625%
HK$62,088
+HK$3,109/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,958/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,669
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,681
−HK$2,043/mo
Today · 4.125%
HK$68,724
baseline
▲ 0.50% · 4.625%
HK$72,906
+HK$4,182/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,448/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,944
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,873
−HK$1,958/mo
Today · 4.125%
HK$75,831
baseline
▲ 0.50% · 4.625%
HK$79,828
+HK$3,997/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,662/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,844 · Scale 2, in force from 26 Feb 2026)