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$35,958
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,076
−HK$1,136/mo
Today · 4.125%
HK$38,212
baseline
▲ 0.50% · 4.625%
HK$40,538
+HK$2,326/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,424/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,002
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,075
−HK$1,089/mo
Today · 4.125%
HK$42,164
baseline
▲ 0.50% · 4.625%
HK$44,386
+HK$2,222/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,328/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,149
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,491
−HK$1,364/mo
Today · 4.125%
HK$45,855
baseline
▲ 0.50% · 4.625%
HK$48,645
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,710/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,003
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,290
−HK$1,306/mo
Today · 4.125%
HK$50,596
baseline
▲ 0.50% · 4.625%
HK$53,263
+HK$2,667/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,192/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,341
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,906
−HK$1,591/mo
Today · 4.125%
HK$53,497
baseline
▲ 0.50% · 4.625%
HK$56,753
+HK$3,256/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,994/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,003
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,505
−HK$1,524/mo
Today · 4.125%
HK$59,029
baseline
▲ 0.50% · 4.625%
HK$62,141
+HK$3,112/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,058/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,724
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,737
−HK$2,045/mo
Today · 4.125%
HK$68,782
baseline
▲ 0.50% · 4.625%
HK$72,968
+HK$4,186/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,564/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,004
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,935
−HK$1,959/mo
Today · 4.125%
HK$75,894
baseline
▲ 0.50% · 4.625%
HK$79,895
+HK$4,001/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,788/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,341 · Scale 2, in force from 26 Feb 2026)