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$36,004
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,123
−HK$1,138/mo
Today · 4.125%
HK$38,261
baseline
▲ 0.50% · 4.625%
HK$40,589
+HK$2,328/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,522/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,054
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,128
−HK$1,090/mo
Today · 4.125%
HK$42,218
baseline
▲ 0.50% · 4.625%
HK$44,443
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,436/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,204
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,548
−HK$1,366/mo
Today · 4.125%
HK$45,914
baseline
▲ 0.50% · 4.625%
HK$48,707
+HK$2,793/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$91,828/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,064
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,353
−HK$1,308/mo
Today · 4.125%
HK$50,661
baseline
▲ 0.50% · 4.625%
HK$53,332
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$101,322/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,405
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,973
−HK$1,593/mo
Today · 4.125%
HK$53,566
baseline
▲ 0.50% · 4.625%
HK$56,825
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,132/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,075
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,579
−HK$1,526/mo
Today · 4.125%
HK$59,105
baseline
▲ 0.50% · 4.625%
HK$62,220
+HK$3,115/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,210/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,806
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,822
−HK$2,048/mo
Today · 4.125%
HK$68,870
baseline
▲ 0.50% · 4.625%
HK$73,061
+HK$4,191/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,740/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,096
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,030
−HK$1,962/mo
Today · 4.125%
HK$75,992
baseline
▲ 0.50% · 4.625%
HK$79,997
+HK$4,005/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,984/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,098 · Scale 2, in force from 26 Feb 2026)