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$35,978
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,097
−HK$1,137/mo
Today · 4.125%
HK$38,234
baseline
▲ 0.50% · 4.625%
HK$40,561
+HK$2,327/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,468/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,025
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,099
−HK$1,089/mo
Today · 4.125%
HK$42,188
baseline
▲ 0.50% · 4.625%
HK$44,411
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,376/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,174
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,516
−HK$1,365/mo
Today · 4.125%
HK$45,881
baseline
▲ 0.50% · 4.625%
HK$48,673
+HK$2,792/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,762/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,030
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,318
−HK$1,307/mo
Today · 4.125%
HK$50,625
baseline
▲ 0.50% · 4.625%
HK$53,294
+HK$2,669/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,250/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,369
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,936
−HK$1,592/mo
Today · 4.125%
HK$53,528
baseline
▲ 0.50% · 4.625%
HK$56,785
+HK$3,257/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,056/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,035
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,538
−HK$1,525/mo
Today · 4.125%
HK$59,063
baseline
▲ 0.50% · 4.625%
HK$62,176
+HK$3,113/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,126/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,760
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,775
−HK$2,046/mo
Today · 4.125%
HK$68,821
baseline
▲ 0.50% · 4.625%
HK$73,009
+HK$4,188/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,642/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,045
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,977
−HK$1,961/mo
Today · 4.125%
HK$75,938
baseline
▲ 0.50% · 4.625%
HK$79,940
+HK$4,002/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,876/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,676 · Scale 2, in force from 26 Feb 2026)