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$36,018
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,139
−HK$1,138/mo
Today · 4.125%
HK$38,277
baseline
▲ 0.50% · 4.625%
HK$40,606
+HK$2,329/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,554/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,070
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,145
−HK$1,090/mo
Today · 4.125%
HK$42,235
baseline
▲ 0.50% · 4.625%
HK$44,461
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,470/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,222
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,566
−HK$1,366/mo
Today · 4.125%
HK$45,932
baseline
▲ 0.50% · 4.625%
HK$48,727
+HK$2,795/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,864/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,084
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,374
−HK$1,308/mo
Today · 4.125%
HK$50,682
baseline
▲ 0.50% · 4.625%
HK$53,353
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,364/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,426
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,994
−HK$1,594/mo
Today · 4.125%
HK$53,588
baseline
▲ 0.50% · 4.625%
HK$56,848
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,176/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,098
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,602
−HK$1,527/mo
Today · 4.125%
HK$59,129
baseline
▲ 0.50% · 4.625%
HK$62,245
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,258/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,833
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,850
−HK$2,048/mo
Today · 4.125%
HK$68,898
baseline
▲ 0.50% · 4.625%
HK$73,091
+HK$4,193/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,796/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,126
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,060
−HK$1,963/mo
Today · 4.125%
HK$76,023
baseline
▲ 0.50% · 4.625%
HK$80,030
+HK$4,007/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,046/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,339 · Scale 2, in force from 26 Feb 2026)