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$35,916
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,033
−HK$1,135/mo
Today · 4.125%
HK$38,168
baseline
▲ 0.50% · 4.625%
HK$40,491
+HK$2,323/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,336/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,956
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,028
−HK$1,087/mo
Today · 4.125%
HK$42,115
baseline
▲ 0.50% · 4.625%
HK$44,335
+HK$2,220/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,230/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,099
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,440
−HK$1,362/mo
Today · 4.125%
HK$45,802
baseline
▲ 0.50% · 4.625%
HK$48,589
+HK$2,787/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,604/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,947
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,233
−HK$1,305/mo
Today · 4.125%
HK$50,538
baseline
▲ 0.50% · 4.625%
HK$53,202
+HK$2,664/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,076/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,282
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,846
−HK$1,590/mo
Today · 4.125%
HK$53,436
baseline
▲ 0.50% · 4.625%
HK$56,687
+HK$3,251/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,872/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,939
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,439
−HK$1,522/mo
Today · 4.125%
HK$58,961
baseline
▲ 0.50% · 4.625%
HK$62,069
+HK$3,108/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,922/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,649
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,660
−HK$2,043/mo
Today · 4.125%
HK$68,703
baseline
▲ 0.50% · 4.625%
HK$72,883
+HK$4,180/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,406/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,921
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,850
−HK$1,957/mo
Today · 4.125%
HK$75,807
baseline
▲ 0.50% · 4.625%
HK$79,803
+HK$3,996/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,614/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,658 · Scale 2, in force from 26 Feb 2026)