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$36,015
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,135
−HK$1,138/mo
Today · 4.125%
HK$38,273
baseline
▲ 0.50% · 4.625%
HK$40,602
+HK$2,329/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,546/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,066
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,141
−HK$1,090/mo
Today · 4.125%
HK$42,231
baseline
▲ 0.50% · 4.625%
HK$44,457
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,462/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,218
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,562
−HK$1,366/mo
Today · 4.125%
HK$45,928
baseline
▲ 0.50% · 4.625%
HK$48,723
+HK$2,795/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,856/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,079
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,369
−HK$1,308/mo
Today · 4.125%
HK$50,677
baseline
▲ 0.50% · 4.625%
HK$53,348
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,354/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,421
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,989
−HK$1,594/mo
Today · 4.125%
HK$53,583
baseline
▲ 0.50% · 4.625%
HK$56,843
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,166/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,093
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,597
−HK$1,526/mo
Today · 4.125%
HK$59,123
baseline
▲ 0.50% · 4.625%
HK$62,240
+HK$3,117/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,246/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,827
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,843
−HK$2,049/mo
Today · 4.125%
HK$68,892
baseline
▲ 0.50% · 4.625%
HK$73,084
+HK$4,192/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,784/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,119
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,053
−HK$1,963/mo
Today · 4.125%
HK$76,016
baseline
▲ 0.50% · 4.625%
HK$80,022
+HK$4,006/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$152,032/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,284 · Scale 2, in force from 26 Feb 2026)