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$35,961
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,080
−HK$1,137/mo
Today · 4.125%
HK$38,217
baseline
▲ 0.50% · 4.625%
HK$40,542
+HK$2,325/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,434/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,007
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,080
−HK$1,088/mo
Today · 4.125%
HK$42,168
baseline
▲ 0.50% · 4.625%
HK$44,391
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,336/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,154
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,496
−HK$1,364/mo
Today · 4.125%
HK$45,860
baseline
▲ 0.50% · 4.625%
HK$48,650
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,720/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,008
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,296
−HK$1,306/mo
Today · 4.125%
HK$50,602
baseline
▲ 0.50% · 4.625%
HK$53,269
+HK$2,667/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,204/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,346
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,912
−HK$1,591/mo
Today · 4.125%
HK$53,503
baseline
▲ 0.50% · 4.625%
HK$56,759
+HK$3,256/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,006/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,009
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,512
−HK$1,523/mo
Today · 4.125%
HK$59,035
baseline
▲ 0.50% · 4.625%
HK$62,147
+HK$3,112/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,070/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,731
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,744
−HK$2,046/mo
Today · 4.125%
HK$68,790
baseline
▲ 0.50% · 4.625%
HK$72,975
+HK$4,185/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,580/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,012
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,943
−HK$1,960/mo
Today · 4.125%
HK$75,903
baseline
▲ 0.50% · 4.625%
HK$79,904
+HK$4,001/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,806/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,405 · Scale 2, in force from 26 Feb 2026)