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$40,558
+HK$2,327/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$591,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,022
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,096
−HK$1,088/mo
Today · 4.125%
HK$42,184
baseline
▲ 0.50% · 4.625%
HK$44,408
+HK$2,224/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$591,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,170
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,513
−HK$1,365/mo
Today · 4.125%
HK$45,878
baseline
▲ 0.50% · 4.625%
HK$48,669
+HK$2,791/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,756/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,027
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,315
−HK$1,306/mo
Today · 4.125%
HK$50,621
baseline
▲ 0.50% · 4.625%
HK$53,290
+HK$2,669/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,242/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,365
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,932
−HK$1,592/mo
Today · 4.125%
HK$53,524
baseline
▲ 0.50% · 4.625%
HK$56,781
+HK$3,257/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,048/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,031
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,534
−HK$1,524/mo
Today · 4.125%
HK$59,058
baseline
▲ 0.50% · 4.625%
HK$62,171
+HK$3,113/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,116/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,756
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,770
−HK$2,046/mo
Today · 4.125%
HK$68,816
baseline
▲ 0.50% · 4.625%
HK$73,004
+HK$4,188/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,632/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,040
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,972
−HK$1,960/mo
Today · 4.125%
HK$75,932
baseline
▲ 0.50% · 4.625%
HK$79,935
+HK$4,003/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,864/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,634 · Scale 2, in force from 26 Feb 2026)