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$35,991
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,111
−HK$1,137/mo
Today · 4.125%
HK$38,248
baseline
▲ 0.50% · 4.625%
HK$40,575
+HK$2,327/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,496/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,040
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,114
−HK$1,089/mo
Today · 4.125%
HK$42,203
baseline
▲ 0.50% · 4.625%
HK$44,427
+HK$2,224/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,406/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,189
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,533
−HK$1,365/mo
Today · 4.125%
HK$45,898
baseline
▲ 0.50% · 4.625%
HK$48,690
+HK$2,792/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,796/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,048
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,336
−HK$1,307/mo
Today · 4.125%
HK$50,643
baseline
▲ 0.50% · 4.625%
HK$53,313
+HK$2,670/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$591,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,387
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,955
−HK$1,592/mo
Today · 4.125%
HK$53,547
baseline
▲ 0.50% · 4.625%
HK$56,805
+HK$3,258/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,094/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,056
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,559
−HK$1,525/mo
Today · 4.125%
HK$59,084
baseline
▲ 0.50% · 4.625%
HK$62,198
+HK$3,114/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,168/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,784
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,799
−HK$2,047/mo
Today · 4.125%
HK$68,846
baseline
▲ 0.50% · 4.625%
HK$73,036
+HK$4,190/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,692/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,071
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,004
−HK$1,961/mo
Today · 4.125%
HK$75,965
baseline
▲ 0.50% · 4.625%
HK$79,969
+HK$4,004/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,930/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,892 · Scale 2, in force from 26 Feb 2026)