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$35,951
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,070
−HK$1,136/mo
Today · 4.125%
HK$38,206
baseline
▲ 0.50% · 4.625%
HK$40,531
+HK$2,325/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,412/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,996
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,068
−HK$1,088/mo
Today · 4.125%
HK$42,156
baseline
▲ 0.50% · 4.625%
HK$44,379
+HK$2,223/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,312/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,142
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,484
−HK$1,363/mo
Today · 4.125%
HK$45,847
baseline
▲ 0.50% · 4.625%
HK$48,637
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,694/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,995
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,282
−HK$1,306/mo
Today · 4.125%
HK$50,588
baseline
▲ 0.50% · 4.625%
HK$53,254
+HK$2,666/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,176/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,332
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,898
−HK$1,590/mo
Today · 4.125%
HK$53,488
baseline
▲ 0.50% · 4.625%
HK$56,743
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,976/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,994
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,496
−HK$1,523/mo
Today · 4.125%
HK$59,019
baseline
▲ 0.50% · 4.625%
HK$62,130
+HK$3,111/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,038/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,713
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,725
−HK$2,046/mo
Today · 4.125%
HK$68,771
baseline
▲ 0.50% · 4.625%
HK$72,955
+HK$4,184/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,542/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,992
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,923
−HK$1,959/mo
Today · 4.125%
HK$75,882
baseline
▲ 0.50% · 4.625%
HK$79,881
+HK$3,999/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,764/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,240 · Scale 2, in force from 26 Feb 2026)