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$36,012
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,133
−HK$1,138/mo
Today · 4.125%
HK$38,271
baseline
▲ 0.50% · 4.625%
HK$40,599
+HK$2,328/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,542/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,063
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,138
−HK$1,090/mo
Today · 4.125%
HK$42,228
baseline
▲ 0.50% · 4.625%
HK$44,454
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,456/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,215
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,559
−HK$1,366/mo
Today · 4.125%
HK$45,925
baseline
▲ 0.50% · 4.625%
HK$48,719
+HK$2,794/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,850/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,076
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,366
−HK$1,308/mo
Today · 4.125%
HK$50,674
baseline
▲ 0.50% · 4.625%
HK$53,345
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,348/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,417
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,986
−HK$1,593/mo
Today · 4.125%
HK$53,579
baseline
▲ 0.50% · 4.625%
HK$56,839
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,158/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,089
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,593
−HK$1,526/mo
Today · 4.125%
HK$59,119
baseline
▲ 0.50% · 4.625%
HK$62,235
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,238/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,822
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,839
−HK$2,048/mo
Today · 4.125%
HK$68,887
baseline
▲ 0.50% · 4.625%
HK$73,079
+HK$4,192/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,774/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,114
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,048
−HK$1,962/mo
Today · 4.125%
HK$76,010
baseline
▲ 0.50% · 4.625%
HK$80,017
+HK$4,007/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$152,020/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,244 · Scale 2, in force from 26 Feb 2026)