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$36,030
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,150
−HK$1,139/mo
Today · 4.125%
HK$38,289
baseline
▲ 0.50% · 4.625%
HK$40,619
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,578/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,083
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,158
−HK$1,090/mo
Today · 4.125%
HK$42,248
baseline
▲ 0.50% · 4.625%
HK$44,475
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,496/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,236
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,581
−HK$1,366/mo
Today · 4.125%
HK$45,947
baseline
▲ 0.50% · 4.625%
HK$48,743
+HK$2,796/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,894/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,099
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,389
−HK$1,309/mo
Today · 4.125%
HK$50,698
baseline
▲ 0.50% · 4.625%
HK$53,370
+HK$2,672/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,396/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,442
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,011
−HK$1,594/mo
Today · 4.125%
HK$53,605
baseline
▲ 0.50% · 4.625%
HK$56,867
+HK$3,262/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,210/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,116
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,621
−HK$1,527/mo
Today · 4.125%
HK$59,148
baseline
▲ 0.50% · 4.625%
HK$62,265
+HK$3,117/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,296/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,854
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,871
−HK$2,049/mo
Today · 4.125%
HK$68,920
baseline
▲ 0.50% · 4.625%
HK$73,114
+HK$4,194/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,840/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,149
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,084
−HK$1,963/mo
Today · 4.125%
HK$76,047
baseline
▲ 0.50% · 4.625%
HK$80,055
+HK$4,008/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,094/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,529 · Scale 2, in force from 26 Feb 2026)