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$35,988
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,107
−HK$1,138/mo
Today · 4.125%
HK$38,245
baseline
▲ 0.50% · 4.625%
HK$40,572
+HK$2,327/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,490/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,036
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,110
−HK$1,089/mo
Today · 4.125%
HK$42,199
baseline
▲ 0.50% · 4.625%
HK$44,424
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,398/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,186
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,529
−HK$1,365/mo
Today · 4.125%
HK$45,894
baseline
▲ 0.50% · 4.625%
HK$48,686
+HK$2,792/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,788/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,043
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,332
−HK$1,307/mo
Today · 4.125%
HK$50,639
baseline
▲ 0.50% · 4.625%
HK$53,308
+HK$2,669/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,278/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,383
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,950
−HK$1,593/mo
Today · 4.125%
HK$53,543
baseline
▲ 0.50% · 4.625%
HK$56,800
+HK$3,257/mo
Deposit HK$4.73M · loan HK$11.05M · min. income ≈ HK$107,086/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,051
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,554
−HK$1,525/mo
Today · 4.125%
HK$59,079
baseline
▲ 0.50% · 4.625%
HK$62,193
+HK$3,114/mo
Deposit HK$4.73M · loan HK$11.05M · min. income ≈ HK$118,158/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,778
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,793
−HK$2,047/mo
Today · 4.125%
HK$68,840
baseline
▲ 0.50% · 4.625%
HK$73,029
+HK$4,189/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,680/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,065
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$73,998
−HK$1,961/mo
Today · 4.125%
HK$75,959
baseline
▲ 0.50% · 4.625%
HK$79,962
+HK$4,003/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,918/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,840 · Scale 2, in force from 26 Feb 2026)