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$35,990
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,110
−HK$1,137/mo
Today · 4.125%
HK$38,247
baseline
▲ 0.50% · 4.625%
HK$40,575
+HK$2,328/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,494/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,039
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,113
−HK$1,089/mo
Today · 4.125%
HK$42,202
baseline
▲ 0.50% · 4.625%
HK$44,427
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,404/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,189
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,532
−HK$1,365/mo
Today · 4.125%
HK$45,897
baseline
▲ 0.50% · 4.625%
HK$48,690
+HK$2,793/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,794/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,047
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,335
−HK$1,308/mo
Today · 4.125%
HK$50,643
baseline
▲ 0.50% · 4.625%
HK$53,312
+HK$2,669/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,286/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,387
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,954
−HK$1,592/mo
Today · 4.125%
HK$53,546
baseline
▲ 0.50% · 4.625%
HK$56,805
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,092/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,055
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,558
−HK$1,525/mo
Today · 4.125%
HK$59,083
baseline
▲ 0.50% · 4.625%
HK$62,197
+HK$3,114/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,166/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,783
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,798
−HK$2,047/mo
Today · 4.125%
HK$68,845
baseline
▲ 0.50% · 4.625%
HK$73,034
+HK$4,189/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,690/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,070
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,003
−HK$1,961/mo
Today · 4.125%
HK$75,964
baseline
▲ 0.50% · 4.625%
HK$79,968
+HK$4,004/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,928/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,883 · Scale 2, in force from 26 Feb 2026)