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$35,975
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,094
−HK$1,137/mo
Today · 4.125%
HK$38,231
baseline
▲ 0.50% · 4.625%
HK$40,557
+HK$2,326/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,462/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,021
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,095
−HK$1,089/mo
Today · 4.125%
HK$42,184
baseline
▲ 0.50% · 4.625%
HK$44,407
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,368/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,170
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,512
−HK$1,365/mo
Today · 4.125%
HK$45,877
baseline
▲ 0.50% · 4.625%
HK$48,668
+HK$2,791/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,754/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,026
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,314
−HK$1,306/mo
Today · 4.125%
HK$50,620
baseline
▲ 0.50% · 4.625%
HK$53,289
+HK$2,669/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,240/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,365
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,931
−HK$1,592/mo
Today · 4.125%
HK$53,523
baseline
▲ 0.50% · 4.625%
HK$56,780
+HK$3,257/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,046/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,030
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,533
−HK$1,524/mo
Today · 4.125%
HK$59,057
baseline
▲ 0.50% · 4.625%
HK$62,170
+HK$3,113/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,114/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,754
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,769
−HK$2,046/mo
Today · 4.125%
HK$68,815
baseline
▲ 0.50% · 4.625%
HK$73,002
+HK$4,187/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,630/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,039
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,971
−HK$1,960/mo
Today · 4.125%
HK$75,931
baseline
▲ 0.50% · 4.625%
HK$79,933
+HK$4,002/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,862/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,623 · Scale 2, in force from 26 Feb 2026)