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$35,955
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,073
−HK$1,136/mo
Today · 4.125%
HK$38,209
baseline
▲ 0.50% · 4.625%
HK$40,534
+HK$2,325/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,418/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,999
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,072
−HK$1,088/mo
Today · 4.125%
HK$42,160
baseline
▲ 0.50% · 4.625%
HK$44,383
+HK$2,223/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,320/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,146
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,488
−HK$1,363/mo
Today · 4.125%
HK$45,851
baseline
▲ 0.50% · 4.625%
HK$48,641
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,702/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,999
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,286
−HK$1,306/mo
Today · 4.125%
HK$50,592
baseline
▲ 0.50% · 4.625%
HK$53,259
+HK$2,667/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,184/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,337
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,902
−HK$1,591/mo
Today · 4.125%
HK$53,493
baseline
▲ 0.50% · 4.625%
HK$56,748
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,986/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,999
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,501
−HK$1,523/mo
Today · 4.125%
HK$59,024
baseline
▲ 0.50% · 4.625%
HK$62,136
+HK$3,112/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,048/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,718
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,731
−HK$2,046/mo
Today · 4.125%
HK$68,777
baseline
▲ 0.50% · 4.625%
HK$72,962
+HK$4,185/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,554/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,999
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,929
−HK$1,959/mo
Today · 4.125%
HK$75,888
baseline
▲ 0.50% · 4.625%
HK$79,889
+HK$4,001/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,776/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,293 · Scale 2, in force from 26 Feb 2026)