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$36,037
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,158
−HK$1,139/mo
Today · 4.125%
HK$38,297
baseline
▲ 0.50% · 4.625%
HK$40,627
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,594/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,091
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,166
−HK$1,091/mo
Today · 4.125%
HK$42,257
baseline
▲ 0.50% · 4.625%
HK$44,484
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,514/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,245
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,590
−HK$1,366/mo
Today · 4.125%
HK$45,956
baseline
▲ 0.50% · 4.625%
HK$48,753
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,912/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,109
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,400
−HK$1,308/mo
Today · 4.125%
HK$50,708
baseline
▲ 0.50% · 4.625%
HK$53,381
+HK$2,673/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,416/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,452
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,021
−HK$1,595/mo
Today · 4.125%
HK$53,616
baseline
▲ 0.50% · 4.625%
HK$56,878
+HK$3,262/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,232/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,127
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,633
−HK$1,527/mo
Today · 4.125%
HK$59,160
baseline
▲ 0.50% · 4.625%
HK$62,278
+HK$3,118/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,320/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,867
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,885
−HK$2,050/mo
Today · 4.125%
HK$68,935
baseline
▲ 0.50% · 4.625%
HK$73,129
+HK$4,194/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,870/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,164
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,099
−HK$1,964/mo
Today · 4.125%
HK$76,063
baseline
▲ 0.50% · 4.625%
HK$80,072
+HK$4,009/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,126/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,651 · Scale 2, in force from 26 Feb 2026)