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$35,933
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,050
−HK$1,136/mo
Today · 4.125%
HK$38,186
baseline
▲ 0.50% · 4.625%
HK$40,510
+HK$2,324/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,372/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,975
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,047
−HK$1,088/mo
Today · 4.125%
HK$42,135
baseline
▲ 0.50% · 4.625%
HK$44,355
+HK$2,220/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,270/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,119
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,461
−HK$1,362/mo
Today · 4.125%
HK$45,823
baseline
▲ 0.50% · 4.625%
HK$48,611
+HK$2,788/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,646/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,970
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,256
−HK$1,305/mo
Today · 4.125%
HK$50,561
baseline
▲ 0.50% · 4.625%
HK$53,227
+HK$2,666/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,122/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,306
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,871
−HK$1,589/mo
Today · 4.125%
HK$53,460
baseline
▲ 0.50% · 4.625%
HK$56,713
+HK$3,253/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,920/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,965
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,466
−HK$1,522/mo
Today · 4.125%
HK$58,988
baseline
▲ 0.50% · 4.625%
HK$62,098
+HK$3,110/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,976/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,679
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,691
−HK$2,044/mo
Today · 4.125%
HK$68,735
baseline
▲ 0.50% · 4.625%
HK$72,917
+HK$4,182/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,470/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,955
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,884
−HK$1,958/mo
Today · 4.125%
HK$75,842
baseline
▲ 0.50% · 4.625%
HK$79,840
+HK$3,998/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,684/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,933 · Scale 2, in force from 26 Feb 2026)