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$37,080
−HK$1,136/mo
Today · 4.125%
HK$38,216
baseline
▲ 0.50% · 4.625%
HK$40,542
+HK$2,326/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$591,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,006
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,079
−HK$1,089/mo
Today · 4.125%
HK$42,168
baseline
▲ 0.50% · 4.625%
HK$44,391
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,336/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,153
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,496
−HK$1,363/mo
Today · 4.125%
HK$45,859
baseline
▲ 0.50% · 4.625%
HK$48,650
+HK$2,791/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$591,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,008
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,295
−HK$1,306/mo
Today · 4.125%
HK$50,601
baseline
▲ 0.50% · 4.625%
HK$53,269
+HK$2,668/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$591,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,346
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,912
−HK$1,591/mo
Today · 4.125%
HK$53,503
baseline
▲ 0.50% · 4.625%
HK$56,758
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,006/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,009
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,511
−HK$1,524/mo
Today · 4.125%
HK$59,035
baseline
▲ 0.50% · 4.625%
HK$62,147
+HK$3,112/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,070/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,730
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,744
−HK$2,045/mo
Today · 4.125%
HK$68,789
baseline
▲ 0.50% · 4.625%
HK$72,975
+HK$4,186/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,578/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,012
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,943
−HK$1,959/mo
Today · 4.125%
HK$75,902
baseline
▲ 0.50% · 4.625%
HK$79,903
+HK$4,001/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,804/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,400 · Scale 2, in force from 26 Feb 2026)