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$35,951
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,069
−HK$1,136/mo
Today · 4.125%
HK$38,205
baseline
▲ 0.50% · 4.625%
HK$40,530
+HK$2,325/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,410/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,995
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,067
−HK$1,088/mo
Today · 4.125%
HK$42,155
baseline
▲ 0.50% · 4.625%
HK$44,378
+HK$2,223/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,310/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,141
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,483
−HK$1,363/mo
Today · 4.125%
HK$45,846
baseline
▲ 0.50% · 4.625%
HK$48,636
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,692/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,994
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,281
−HK$1,306/mo
Today · 4.125%
HK$50,587
baseline
▲ 0.50% · 4.625%
HK$53,253
+HK$2,666/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,174/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,331
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,896
−HK$1,591/mo
Today · 4.125%
HK$53,487
baseline
▲ 0.50% · 4.625%
HK$56,742
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,974/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,993
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,494
−HK$1,524/mo
Today · 4.125%
HK$59,018
baseline
▲ 0.50% · 4.625%
HK$62,129
+HK$3,111/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,036/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,711
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,724
−HK$2,045/mo
Today · 4.125%
HK$68,769
baseline
▲ 0.50% · 4.625%
HK$72,953
+HK$4,184/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,538/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,990
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,921
−HK$1,959/mo
Today · 4.125%
HK$75,880
baseline
▲ 0.50% · 4.625%
HK$79,880
+HK$4,000/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,760/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,226 · Scale 2, in force from 26 Feb 2026)