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$35,914
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,032
−HK$1,135/mo
Today · 4.125%
HK$38,167
baseline
▲ 0.50% · 4.625%
HK$40,489
+HK$2,322/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,334/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,954
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,026
−HK$1,087/mo
Today · 4.125%
HK$42,113
baseline
▲ 0.50% · 4.625%
HK$44,333
+HK$2,220/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,226/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,097
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,438
−HK$1,362/mo
Today · 4.125%
HK$45,800
baseline
▲ 0.50% · 4.625%
HK$48,587
+HK$2,787/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,600/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,945
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,231
−HK$1,305/mo
Today · 4.125%
HK$50,536
baseline
▲ 0.50% · 4.625%
HK$53,199
+HK$2,663/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,072/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,280
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,844
−HK$1,589/mo
Today · 4.125%
HK$53,433
baseline
▲ 0.50% · 4.625%
HK$56,684
+HK$3,251/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,866/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,936
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,436
−HK$1,522/mo
Today · 4.125%
HK$58,958
baseline
▲ 0.50% · 4.625%
HK$62,066
+HK$3,108/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,916/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,646
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,657
−HK$2,043/mo
Today · 4.125%
HK$68,700
baseline
▲ 0.50% · 4.625%
HK$72,880
+HK$4,180/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,400/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,918
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,847
−HK$1,956/mo
Today · 4.125%
HK$75,803
baseline
▲ 0.50% · 4.625%
HK$79,799
+HK$3,996/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,606/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,631 · Scale 2, in force from 26 Feb 2026)