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$35,949
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,068
−HK$1,136/mo
Today · 4.125%
HK$38,204
baseline
▲ 0.50% · 4.625%
HK$40,528
+HK$2,324/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,408/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,993
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,066
−HK$1,088/mo
Today · 4.125%
HK$42,154
baseline
▲ 0.50% · 4.625%
HK$44,376
+HK$2,222/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,308/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,139
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,481
−HK$1,363/mo
Today · 4.125%
HK$45,844
baseline
▲ 0.50% · 4.625%
HK$48,634
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,688/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,992
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,279
−HK$1,306/mo
Today · 4.125%
HK$50,585
baseline
▲ 0.50% · 4.625%
HK$53,251
+HK$2,666/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,170/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,329
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,895
−HK$1,590/mo
Today · 4.125%
HK$53,485
baseline
▲ 0.50% · 4.625%
HK$56,740
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,970/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,991
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,492
−HK$1,524/mo
Today · 4.125%
HK$59,016
baseline
▲ 0.50% · 4.625%
HK$62,126
+HK$3,110/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,032/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,709
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,722
−HK$2,045/mo
Today · 4.125%
HK$68,767
baseline
▲ 0.50% · 4.625%
HK$72,951
+HK$4,184/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,534/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,988
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,919
−HK$1,958/mo
Today · 4.125%
HK$75,877
baseline
▲ 0.50% · 4.625%
HK$79,877
+HK$4,000/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,754/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,207 · Scale 2, in force from 26 Feb 2026)