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$35,971
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,090
−HK$1,137/mo
Today · 4.125%
HK$38,227
baseline
▲ 0.50% · 4.625%
HK$40,553
+HK$2,326/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,454/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,018
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,091
−HK$1,089/mo
Today · 4.125%
HK$42,180
baseline
▲ 0.50% · 4.625%
HK$44,403
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,360/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,166
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,508
−HK$1,365/mo
Today · 4.125%
HK$45,873
baseline
▲ 0.50% · 4.625%
HK$48,664
+HK$2,791/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,746/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,022
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,309
−HK$1,307/mo
Today · 4.125%
HK$50,616
baseline
▲ 0.50% · 4.625%
HK$53,284
+HK$2,668/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,232/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,360
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,927
−HK$1,591/mo
Today · 4.125%
HK$53,518
baseline
▲ 0.50% · 4.625%
HK$56,775
+HK$3,257/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,036/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,025
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,528
−HK$1,524/mo
Today · 4.125%
HK$59,052
baseline
▲ 0.50% · 4.625%
HK$62,165
+HK$3,113/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,104/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,749
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,763
−HK$2,046/mo
Today · 4.125%
HK$68,809
baseline
▲ 0.50% · 4.625%
HK$72,996
+HK$4,187/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,618/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,032
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,964
−HK$1,960/mo
Today · 4.125%
HK$75,924
baseline
▲ 0.50% · 4.625%
HK$79,926
+HK$4,002/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,848/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,570 · Scale 2, in force from 26 Feb 2026)