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$35,923
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,040
−HK$1,136/mo
Today · 4.125%
HK$38,176
baseline
▲ 0.50% · 4.625%
HK$40,498
+HK$2,322/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,352/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,964
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,036
−HK$1,087/mo
Today · 4.125%
HK$42,123
baseline
▲ 0.50% · 4.625%
HK$44,343
+HK$2,220/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,246/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,107
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,448
−HK$1,363/mo
Today · 4.125%
HK$45,811
baseline
▲ 0.50% · 4.625%
HK$48,598
+HK$2,787/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,622/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,957
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,243
−HK$1,305/mo
Today · 4.125%
HK$50,548
baseline
▲ 0.50% · 4.625%
HK$53,212
+HK$2,664/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,096/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,292
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,856
−HK$1,590/mo
Today · 4.125%
HK$53,446
baseline
▲ 0.50% · 4.625%
HK$56,698
+HK$3,252/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,892/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,949
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,450
−HK$1,522/mo
Today · 4.125%
HK$58,972
baseline
▲ 0.50% · 4.625%
HK$62,081
+HK$3,109/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,944/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,661
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,672
−HK$2,044/mo
Today · 4.125%
HK$68,716
baseline
▲ 0.50% · 4.625%
HK$72,897
+HK$4,181/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,432/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,935
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,864
−HK$1,957/mo
Today · 4.125%
HK$75,821
baseline
▲ 0.50% · 4.625%
HK$79,818
+HK$3,997/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,642/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,770 · Scale 2, in force from 26 Feb 2026)