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$35,965
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,083
−HK$1,137/mo
Today · 4.125%
HK$38,220
baseline
▲ 0.50% · 4.625%
HK$40,546
+HK$2,326/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,440/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,010
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,083
−HK$1,089/mo
Today · 4.125%
HK$42,172
baseline
▲ 0.50% · 4.625%
HK$44,395
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,344/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,158
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,500
−HK$1,364/mo
Today · 4.125%
HK$45,864
baseline
▲ 0.50% · 4.625%
HK$48,655
+HK$2,791/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,728/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,012
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,300
−HK$1,306/mo
Today · 4.125%
HK$50,606
baseline
▲ 0.50% · 4.625%
HK$53,274
+HK$2,668/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,212/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,350
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,917
−HK$1,591/mo
Today · 4.125%
HK$53,508
baseline
▲ 0.50% · 4.625%
HK$56,764
+HK$3,256/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,016/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,014
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,517
−HK$1,524/mo
Today · 4.125%
HK$59,041
baseline
▲ 0.50% · 4.625%
HK$62,153
+HK$3,112/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,082/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,736
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,750
−HK$2,046/mo
Today · 4.125%
HK$68,796
baseline
▲ 0.50% · 4.625%
HK$72,982
+HK$4,186/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,592/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,018
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,950
−HK$1,959/mo
Today · 4.125%
HK$75,909
baseline
▲ 0.50% · 4.625%
HK$79,911
+HK$4,002/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,818/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,457 · Scale 2, in force from 26 Feb 2026)