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$35,907
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,024
−HK$1,135/mo
Today · 4.125%
HK$38,159
baseline
▲ 0.50% · 4.625%
HK$40,480
+HK$2,321/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,318/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,946
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,017
−HK$1,087/mo
Today · 4.125%
HK$42,104
baseline
▲ 0.50% · 4.625%
HK$44,324
+HK$2,220/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,208/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,088
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,429
−HK$1,361/mo
Today · 4.125%
HK$45,790
baseline
▲ 0.50% · 4.625%
HK$48,577
+HK$2,787/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,580/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,935
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,221
−HK$1,304/mo
Today · 4.125%
HK$50,525
baseline
▲ 0.50% · 4.625%
HK$53,188
+HK$2,663/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,050/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,270
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,833
−HK$1,589/mo
Today · 4.125%
HK$53,422
baseline
▲ 0.50% · 4.625%
HK$56,673
+HK$3,251/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,844/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,925
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,424
−HK$1,522/mo
Today · 4.125%
HK$58,946
baseline
▲ 0.50% · 4.625%
HK$62,053
+HK$3,107/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,892/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,632
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,643
−HK$2,042/mo
Today · 4.125%
HK$68,685
baseline
▲ 0.50% · 4.625%
HK$72,865
+HK$4,180/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,370/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,903
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,831
−HK$1,957/mo
Today · 4.125%
HK$75,788
baseline
▲ 0.50% · 4.625%
HK$79,783
+HK$3,995/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,576/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,508 · Scale 2, in force from 26 Feb 2026)