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$35,974
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,093
−HK$1,136/mo
Today · 4.125%
HK$38,229
baseline
▲ 0.50% · 4.625%
HK$40,556
+HK$2,327/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,458/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,020
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,094
−HK$1,088/mo
Today · 4.125%
HK$42,182
baseline
▲ 0.50% · 4.625%
HK$44,406
+HK$2,224/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,364/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,168
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,511
−HK$1,364/mo
Today · 4.125%
HK$45,875
baseline
▲ 0.50% · 4.625%
HK$48,667
+HK$2,792/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,750/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,024
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,312
−HK$1,307/mo
Today · 4.125%
HK$50,619
baseline
▲ 0.50% · 4.625%
HK$53,287
+HK$2,668/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,238/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,363
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,930
−HK$1,591/mo
Today · 4.125%
HK$53,521
baseline
▲ 0.50% · 4.625%
HK$56,778
+HK$3,257/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,042/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,028
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,531
−HK$1,524/mo
Today · 4.125%
HK$59,055
baseline
▲ 0.50% · 4.625%
HK$62,168
+HK$3,113/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,110/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,752
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,767
−HK$2,046/mo
Today · 4.125%
HK$68,813
baseline
▲ 0.50% · 4.625%
HK$73,000
+HK$4,187/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,626/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,036
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,968
−HK$1,960/mo
Today · 4.125%
HK$75,928
baseline
▲ 0.50% · 4.625%
HK$79,931
+HK$4,003/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,856/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,604 · Scale 2, in force from 26 Feb 2026)