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$36,009
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,129
−HK$1,138/mo
Today · 4.125%
HK$38,267
baseline
▲ 0.50% · 4.625%
HK$40,595
+HK$2,328/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,534/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,059
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,133
−HK$1,090/mo
Today · 4.125%
HK$42,223
baseline
▲ 0.50% · 4.625%
HK$44,449
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,446/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,210
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,554
−HK$1,366/mo
Today · 4.125%
HK$45,920
baseline
▲ 0.50% · 4.625%
HK$48,714
+HK$2,794/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$91,840/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,071
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,360
−HK$1,308/mo
Today · 4.125%
HK$50,668
baseline
▲ 0.50% · 4.625%
HK$53,339
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$101,336/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,412
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,980
−HK$1,593/mo
Today · 4.125%
HK$53,573
baseline
▲ 0.50% · 4.625%
HK$56,833
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,146/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,083
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,587
−HK$1,526/mo
Today · 4.125%
HK$59,113
baseline
▲ 0.50% · 4.625%
HK$62,229
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,226/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,815
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,831
−HK$2,049/mo
Today · 4.125%
HK$68,880
baseline
▲ 0.50% · 4.625%
HK$73,071
+HK$4,191/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,760/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,106
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,040
−HK$1,962/mo
Today · 4.125%
HK$76,002
baseline
▲ 0.50% · 4.625%
HK$80,008
+HK$4,006/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$152,004/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,180 · Scale 2, in force from 26 Feb 2026)