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$35,994
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,114
−HK$1,138/mo
Today · 4.125%
HK$38,252
baseline
▲ 0.50% · 4.625%
HK$40,579
+HK$2,327/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,504/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,043
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,117
−HK$1,090/mo
Today · 4.125%
HK$42,207
baseline
▲ 0.50% · 4.625%
HK$44,432
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,414/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,193
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,537
−HK$1,365/mo
Today · 4.125%
HK$45,902
baseline
▲ 0.50% · 4.625%
HK$48,695
+HK$2,793/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,804/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,052
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,341
−HK$1,307/mo
Today · 4.125%
HK$50,648
baseline
▲ 0.50% · 4.625%
HK$53,318
+HK$2,670/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,296/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,392
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,960
−HK$1,592/mo
Today · 4.125%
HK$53,552
baseline
▲ 0.50% · 4.625%
HK$56,811
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,104/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,061
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,564
−HK$1,526/mo
Today · 4.125%
HK$59,090
baseline
▲ 0.50% · 4.625%
HK$62,204
+HK$3,114/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,180/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,790
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,805
−HK$2,048/mo
Today · 4.125%
HK$68,853
baseline
▲ 0.50% · 4.625%
HK$73,042
+HK$4,189/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,706/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,078
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,011
−HK$1,961/mo
Today · 4.125%
HK$75,972
baseline
▲ 0.50% · 4.625%
HK$79,977
+HK$4,005/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,944/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,947 · Scale 2, in force from 26 Feb 2026)