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$35,930
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,048
−HK$1,135/mo
Today · 4.125%
HK$38,183
baseline
▲ 0.50% · 4.625%
HK$40,507
+HK$2,324/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,366/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,972
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,044
−HK$1,087/mo
Today · 4.125%
HK$42,131
baseline
▲ 0.50% · 4.625%
HK$44,352
+HK$2,221/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,262/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,116
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,457
−HK$1,363/mo
Today · 4.125%
HK$45,820
baseline
▲ 0.50% · 4.625%
HK$48,608
+HK$2,788/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,640/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,966
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,253
−HK$1,305/mo
Today · 4.125%
HK$50,558
baseline
▲ 0.50% · 4.625%
HK$53,223
+HK$2,665/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,116/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,302
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,867
−HK$1,590/mo
Today · 4.125%
HK$53,457
baseline
▲ 0.50% · 4.625%
HK$56,709
+HK$3,252/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,914/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,961
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,461
−HK$1,523/mo
Today · 4.125%
HK$58,984
baseline
▲ 0.50% · 4.625%
HK$62,093
+HK$3,109/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,968/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,674
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,686
−HK$2,044/mo
Today · 4.125%
HK$68,730
baseline
▲ 0.50% · 4.625%
HK$72,912
+HK$4,182/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,460/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,949
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,879
−HK$1,958/mo
Today · 4.125%
HK$75,837
baseline
▲ 0.50% · 4.625%
HK$79,834
+HK$3,997/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,674/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,890 · Scale 2, in force from 26 Feb 2026)