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$2,255/mo
▼ 0.25% · 3.875%
HK$37,079
−HK$1,137/mo
Today · 4.125%
HK$38,216
baseline
▲ 0.50% · 4.625%
HK$40,541
+HK$2,325/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,432/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,006
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,079
−HK$1,088/mo
Today · 4.125%
HK$42,167
baseline
▲ 0.50% · 4.625%
HK$44,390
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,334/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,153
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,495
−HK$1,364/mo
Today · 4.125%
HK$45,859
baseline
▲ 0.50% · 4.625%
HK$48,649
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,718/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,007
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,294
−HK$1,307/mo
Today · 4.125%
HK$50,601
baseline
▲ 0.50% · 4.625%
HK$53,268
+HK$2,667/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,202/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,345
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,911
−HK$1,591/mo
Today · 4.125%
HK$53,502
baseline
▲ 0.50% · 4.625%
HK$56,757
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,004/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,008
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,510
−HK$1,524/mo
Today · 4.125%
HK$59,034
baseline
▲ 0.50% · 4.625%
HK$62,146
+HK$3,112/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,068/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,729
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,742
−HK$2,046/mo
Today · 4.125%
HK$68,788
baseline
▲ 0.50% · 4.625%
HK$72,974
+HK$4,186/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,576/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,010
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,942
−HK$1,959/mo
Today · 4.125%
HK$75,901
baseline
▲ 0.50% · 4.625%
HK$79,902
+HK$4,001/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,802/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,391 · Scale 2, in force from 26 Feb 2026)