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$36,002
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,122
−HK$1,138/mo
Today · 4.125%
HK$38,260
baseline
▲ 0.50% · 4.625%
HK$40,588
+HK$2,328/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,520/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,052
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,126
−HK$1,090/mo
Today · 4.125%
HK$42,216
baseline
▲ 0.50% · 4.625%
HK$44,441
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,432/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,202
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,546
−HK$1,366/mo
Today · 4.125%
HK$45,912
baseline
▲ 0.50% · 4.625%
HK$48,705
+HK$2,793/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$91,824/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,062
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,351
−HK$1,308/mo
Today · 4.125%
HK$50,659
baseline
▲ 0.50% · 4.625%
HK$53,329
+HK$2,670/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$101,318/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,403
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,971
−HK$1,593/mo
Today · 4.125%
HK$53,564
baseline
▲ 0.50% · 4.625%
HK$56,823
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,128/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,073
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,577
−HK$1,525/mo
Today · 4.125%
HK$59,102
baseline
▲ 0.50% · 4.625%
HK$62,218
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,204/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,804
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,819
−HK$2,048/mo
Today · 4.125%
HK$68,867
baseline
▲ 0.50% · 4.625%
HK$73,058
+HK$4,191/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,734/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,093
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,027
−HK$1,961/mo
Today · 4.125%
HK$75,988
baseline
▲ 0.50% · 4.625%
HK$79,994
+HK$4,006/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,976/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,073 · Scale 2, in force from 26 Feb 2026)