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$36,014
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,134
−HK$1,138/mo
Today · 4.125%
HK$38,272
baseline
▲ 0.50% · 4.625%
HK$40,601
+HK$2,329/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,544/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,065
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,140
−HK$1,090/mo
Today · 4.125%
HK$42,230
baseline
▲ 0.50% · 4.625%
HK$44,456
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,460/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,217
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,561
−HK$1,366/mo
Today · 4.125%
HK$45,927
baseline
▲ 0.50% · 4.625%
HK$48,721
+HK$2,794/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,854/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,078
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,368
−HK$1,308/mo
Today · 4.125%
HK$50,676
baseline
▲ 0.50% · 4.625%
HK$53,347
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,352/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,420
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,988
−HK$1,593/mo
Today · 4.125%
HK$53,581
baseline
▲ 0.50% · 4.625%
HK$56,842
+HK$3,261/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,162/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,091
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,596
−HK$1,526/mo
Today · 4.125%
HK$59,122
baseline
▲ 0.50% · 4.625%
HK$62,238
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,244/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,825
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,842
−HK$2,048/mo
Today · 4.125%
HK$68,890
baseline
▲ 0.50% · 4.625%
HK$73,082
+HK$4,192/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,780/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,117
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,051
−HK$1,963/mo
Today · 4.125%
HK$76,014
baseline
▲ 0.50% · 4.625%
HK$80,020
+HK$4,006/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$152,028/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,269 · Scale 2, in force from 26 Feb 2026)