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$36,007
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,127
−HK$1,138/mo
Today · 4.125%
HK$38,265
baseline
▲ 0.50% · 4.625%
HK$40,593
+HK$2,328/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,530/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,057
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,132
−HK$1,090/mo
Today · 4.125%
HK$42,222
baseline
▲ 0.50% · 4.625%
HK$44,447
+HK$2,225/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,444/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,208
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,552
−HK$1,366/mo
Today · 4.125%
HK$45,918
baseline
▲ 0.50% · 4.625%
HK$48,712
+HK$2,794/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$91,836/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,069
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,358
−HK$1,308/mo
Today · 4.125%
HK$50,666
baseline
▲ 0.50% · 4.625%
HK$53,337
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$101,332/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,410
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,978
−HK$1,593/mo
Today · 4.125%
HK$53,571
baseline
▲ 0.50% · 4.625%
HK$56,831
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,142/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,080
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,584
−HK$1,526/mo
Today · 4.125%
HK$59,110
baseline
▲ 0.50% · 4.625%
HK$62,226
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,220/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,813
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,829
−HK$2,048/mo
Today · 4.125%
HK$68,877
baseline
▲ 0.50% · 4.625%
HK$73,068
+HK$4,191/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,754/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,103
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,037
−HK$1,962/mo
Today · 4.125%
HK$75,999
baseline
▲ 0.50% · 4.625%
HK$80,005
+HK$4,006/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,998/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,154 · Scale 2, in force from 26 Feb 2026)