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$35,982
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,102
−HK$1,137/mo
Today · 4.125%
HK$38,239
baseline
▲ 0.50% · 4.625%
HK$40,566
+HK$2,327/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,478/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,030
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,104
−HK$1,089/mo
Today · 4.125%
HK$42,193
baseline
▲ 0.50% · 4.625%
HK$44,417
+HK$2,224/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,386/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,179
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,522
−HK$1,365/mo
Today · 4.125%
HK$45,887
baseline
▲ 0.50% · 4.625%
HK$48,679
+HK$2,792/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,774/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,036
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,324
−HK$1,307/mo
Today · 4.125%
HK$50,631
baseline
▲ 0.50% · 4.625%
HK$53,300
+HK$2,669/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,262/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,375
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,942
−HK$1,592/mo
Today · 4.125%
HK$53,534
baseline
▲ 0.50% · 4.625%
HK$56,792
+HK$3,258/mo
Deposit HK$4.73M · loan HK$11.05M · min. income ≈ HK$107,068/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,042
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,545
−HK$1,525/mo
Today · 4.125%
HK$59,070
baseline
▲ 0.50% · 4.625%
HK$62,184
+HK$3,114/mo
Deposit HK$4.73M · loan HK$11.05M · min. income ≈ HK$118,140/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,768
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,783
−HK$2,047/mo
Today · 4.125%
HK$68,830
baseline
▲ 0.50% · 4.625%
HK$73,018
+HK$4,188/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,660/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,054
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,987
−HK$1,960/mo
Today · 4.125%
HK$75,947
baseline
▲ 0.50% · 4.625%
HK$79,950
+HK$4,003/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,894/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,751 · Scale 2, in force from 26 Feb 2026)