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$36,038
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,159
−HK$1,139/mo
Today · 4.125%
HK$38,298
baseline
▲ 0.50% · 4.625%
HK$40,629
+HK$2,331/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,596/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,092
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,168
−HK$1,090/mo
Today · 4.125%
HK$42,258
baseline
▲ 0.50% · 4.625%
HK$44,486
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,516/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,246
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,591
−HK$1,367/mo
Today · 4.125%
HK$45,958
baseline
▲ 0.50% · 4.625%
HK$48,754
+HK$2,796/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,916/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,111
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,401
−HK$1,309/mo
Today · 4.125%
HK$50,710
baseline
▲ 0.50% · 4.625%
HK$53,383
+HK$2,673/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,420/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,454
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,023
−HK$1,595/mo
Today · 4.125%
HK$53,618
baseline
▲ 0.50% · 4.625%
HK$56,880
+HK$3,262/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,236/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,129
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,635
−HK$1,527/mo
Today · 4.125%
HK$59,162
baseline
▲ 0.50% · 4.625%
HK$62,280
+HK$3,118/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,324/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,869
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,887
−HK$2,050/mo
Today · 4.125%
HK$68,937
baseline
▲ 0.50% · 4.625%
HK$73,131
+HK$4,194/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,874/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,166
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,102
−HK$1,963/mo
Today · 4.125%
HK$76,065
baseline
▲ 0.50% · 4.625%
HK$80,074
+HK$4,009/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,130/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,669 · Scale 2, in force from 26 Feb 2026)