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$35,944
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,062
−HK$1,136/mo
Today · 4.125%
HK$38,198
baseline
▲ 0.50% · 4.625%
HK$40,522
+HK$2,324/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,396/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,987
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,059
−HK$1,088/mo
Today · 4.125%
HK$42,147
baseline
▲ 0.50% · 4.625%
HK$44,369
+HK$2,222/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,294/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,132
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,474
−HK$1,363/mo
Today · 4.125%
HK$45,837
baseline
▲ 0.50% · 4.625%
HK$48,626
+HK$2,789/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,674/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,984
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,271
−HK$1,306/mo
Today · 4.125%
HK$50,577
baseline
▲ 0.50% · 4.625%
HK$53,243
+HK$2,666/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,154/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,321
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,886
−HK$1,591/mo
Today · 4.125%
HK$53,477
baseline
▲ 0.50% · 4.625%
HK$56,731
+HK$3,254/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,954/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,982
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,483
−HK$1,523/mo
Today · 4.125%
HK$59,006
baseline
▲ 0.50% · 4.625%
HK$62,117
+HK$3,111/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$118,012/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,699
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,711
−HK$2,045/mo
Today · 4.125%
HK$68,756
baseline
▲ 0.50% · 4.625%
HK$72,939
+HK$4,183/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,512/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,977
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,907
−HK$1,958/mo
Today · 4.125%
HK$75,865
baseline
▲ 0.50% · 4.625%
HK$79,864
+HK$3,999/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,730/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,112 · Scale 2, in force from 26 Feb 2026)