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$35,997
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,117
−HK$1,138/mo
Today · 4.125%
HK$38,255
baseline
▲ 0.50% · 4.625%
HK$40,583
+HK$2,328/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,510/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$591,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,047
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,121
−HK$1,089/mo
Today · 4.125%
HK$42,210
baseline
▲ 0.50% · 4.625%
HK$44,435
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,420/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$591,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,197
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,541
−HK$1,365/mo
Today · 4.125%
HK$45,906
baseline
▲ 0.50% · 4.625%
HK$48,699
+HK$2,793/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,812/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,056
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,345
−HK$1,308/mo
Today · 4.125%
HK$50,653
baseline
▲ 0.50% · 4.625%
HK$53,322
+HK$2,669/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,306/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,396
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,964
−HK$1,593/mo
Today · 4.125%
HK$53,557
baseline
▲ 0.50% · 4.625%
HK$56,816
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,114/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,066
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,569
−HK$1,526/mo
Today · 4.125%
HK$59,095
baseline
▲ 0.50% · 4.625%
HK$62,210
+HK$3,115/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,190/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,795
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,811
−HK$2,048/mo
Today · 4.125%
HK$68,859
baseline
▲ 0.50% · 4.625%
HK$73,049
+HK$4,190/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,718/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,084
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,018
−HK$1,961/mo
Today · 4.125%
HK$75,979
baseline
▲ 0.50% · 4.625%
HK$79,984
+HK$4,005/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,958/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,998 · Scale 2, in force from 26 Feb 2026)