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$35,960
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,078
−HK$1,137/mo
Today · 4.125%
HK$38,215
baseline
▲ 0.50% · 4.625%
HK$40,540
+HK$2,325/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,430/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,005
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,078
−HK$1,088/mo
Today · 4.125%
HK$42,166
baseline
▲ 0.50% · 4.625%
HK$44,389
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,332/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,152
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,494
−HK$1,364/mo
Today · 4.125%
HK$45,858
baseline
▲ 0.50% · 4.625%
HK$48,648
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,716/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,006
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,294
−HK$1,306/mo
Today · 4.125%
HK$50,600
baseline
▲ 0.50% · 4.625%
HK$53,267
+HK$2,667/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,200/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,344
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,910
−HK$1,591/mo
Today · 4.125%
HK$53,501
baseline
▲ 0.50% · 4.625%
HK$56,756
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,002/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,007
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,509
−HK$1,524/mo
Today · 4.125%
HK$59,033
baseline
▲ 0.50% · 4.625%
HK$62,145
+HK$3,112/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,066/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,728
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,741
−HK$2,046/mo
Today · 4.125%
HK$68,787
baseline
▲ 0.50% · 4.625%
HK$72,972
+HK$4,185/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,574/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,009
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,940
−HK$1,959/mo
Today · 4.125%
HK$75,899
baseline
▲ 0.50% · 4.625%
HK$79,900
+HK$4,001/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,798/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,379 · Scale 2, in force from 26 Feb 2026)