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$35,919
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,036
−HK$1,135/mo
Today · 4.125%
HK$38,171
baseline
▲ 0.50% · 4.625%
HK$40,494
+HK$2,323/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,342/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,959
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,031
−HK$1,087/mo
Today · 4.125%
HK$42,118
baseline
▲ 0.50% · 4.625%
HK$44,338
+HK$2,220/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,236/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,103
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,444
−HK$1,362/mo
Today · 4.125%
HK$45,806
baseline
▲ 0.50% · 4.625%
HK$48,593
+HK$2,787/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,612/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,951
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,237
−HK$1,305/mo
Today · 4.125%
HK$50,542
baseline
▲ 0.50% · 4.625%
HK$53,206
+HK$2,664/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,084/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,287
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,851
−HK$1,589/mo
Today · 4.125%
HK$53,440
baseline
▲ 0.50% · 4.625%
HK$56,692
+HK$3,252/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,880/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,943
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,444
−HK$1,522/mo
Today · 4.125%
HK$58,966
baseline
▲ 0.50% · 4.625%
HK$62,074
+HK$3,108/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,932/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,654
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,665
−HK$2,044/mo
Today · 4.125%
HK$68,709
baseline
▲ 0.50% · 4.625%
HK$72,889
+HK$4,180/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,418/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,927
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,856
−HK$1,957/mo
Today · 4.125%
HK$75,813
baseline
▲ 0.50% · 4.625%
HK$79,809
+HK$3,996/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,626/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,707 · Scale 2, in force from 26 Feb 2026)