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$35,928
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,046
−HK$1,136/mo
Today · 4.125%
HK$38,182
baseline
▲ 0.50% · 4.625%
HK$40,505
+HK$2,323/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,364/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,970
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,042
−HK$1,088/mo
Today · 4.125%
HK$42,130
baseline
▲ 0.50% · 4.625%
HK$44,350
+HK$2,220/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,260/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,114
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,455
−HK$1,363/mo
Today · 4.125%
HK$45,818
baseline
▲ 0.50% · 4.625%
HK$48,606
+HK$2,788/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,636/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,964
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,250
−HK$1,305/mo
Today · 4.125%
HK$50,555
baseline
▲ 0.50% · 4.625%
HK$53,220
+HK$2,665/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,110/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,300
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,865
−HK$1,589/mo
Today · 4.125%
HK$53,454
baseline
▲ 0.50% · 4.625%
HK$56,707
+HK$3,253/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,908/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,958
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,459
−HK$1,522/mo
Today · 4.125%
HK$58,981
baseline
▲ 0.50% · 4.625%
HK$62,090
+HK$3,109/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,962/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,671
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,683
−HK$2,044/mo
Today · 4.125%
HK$68,727
baseline
▲ 0.50% · 4.625%
HK$72,909
+HK$4,182/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,454/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,946
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,876
−HK$1,957/mo
Today · 4.125%
HK$75,833
baseline
▲ 0.50% · 4.625%
HK$79,830
+HK$3,997/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,666/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,863 · Scale 2, in force from 26 Feb 2026)