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$35,945
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,063
−HK$1,136/mo
Today · 4.125%
HK$38,199
baseline
▲ 0.50% · 4.625%
HK$40,523
+HK$2,324/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,398/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,988
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,061
−HK$1,088/mo
Today · 4.125%
HK$42,149
baseline
▲ 0.50% · 4.625%
HK$44,370
+HK$2,221/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,298/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,134
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,475
−HK$1,364/mo
Today · 4.125%
HK$45,839
baseline
▲ 0.50% · 4.625%
HK$48,628
+HK$2,789/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,678/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,986
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,273
−HK$1,305/mo
Today · 4.125%
HK$50,578
baseline
▲ 0.50% · 4.625%
HK$53,244
+HK$2,666/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,156/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,323
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,888
−HK$1,590/mo
Today · 4.125%
HK$53,478
baseline
▲ 0.50% · 4.625%
HK$56,732
+HK$3,254/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,956/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,984
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,485
−HK$1,523/mo
Today · 4.125%
HK$59,008
baseline
▲ 0.50% · 4.625%
HK$62,119
+HK$3,111/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$118,016/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,701
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,713
−HK$2,045/mo
Today · 4.125%
HK$68,758
baseline
▲ 0.50% · 4.625%
HK$72,942
+HK$4,184/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,516/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,979
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,909
−HK$1,959/mo
Today · 4.125%
HK$75,868
baseline
▲ 0.50% · 4.625%
HK$79,867
+HK$3,999/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,736/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,131 · Scale 2, in force from 26 Feb 2026)