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$35,955
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,073
−HK$1,137/mo
Today · 4.125%
HK$38,210
baseline
▲ 0.50% · 4.625%
HK$40,535
+HK$2,325/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,420/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,000
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,072
−HK$1,089/mo
Today · 4.125%
HK$42,161
baseline
▲ 0.50% · 4.625%
HK$44,383
+HK$2,222/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,322/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,146
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,488
−HK$1,364/mo
Today · 4.125%
HK$45,852
baseline
▲ 0.50% · 4.625%
HK$48,642
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,704/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,999
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,287
−HK$1,306/mo
Today · 4.125%
HK$50,593
baseline
▲ 0.50% · 4.625%
HK$53,260
+HK$2,667/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,186/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,337
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,903
−HK$1,591/mo
Today · 4.125%
HK$53,494
baseline
▲ 0.50% · 4.625%
HK$56,749
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,988/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,999
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,501
−HK$1,524/mo
Today · 4.125%
HK$59,025
baseline
▲ 0.50% · 4.625%
HK$62,136
+HK$3,111/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,050/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,719
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,732
−HK$2,045/mo
Today · 4.125%
HK$68,777
baseline
▲ 0.50% · 4.625%
HK$72,962
+HK$4,185/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,554/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,999
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,930
−HK$1,959/mo
Today · 4.125%
HK$75,889
baseline
▲ 0.50% · 4.625%
HK$79,889
+HK$4,000/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,778/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,299 · Scale 2, in force from 26 Feb 2026)