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$35,966
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,085
−HK$1,136/mo
Today · 4.125%
HK$38,221
baseline
▲ 0.50% · 4.625%
HK$40,547
+HK$2,326/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,442/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,012
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,085
−HK$1,088/mo
Today · 4.125%
HK$42,173
baseline
▲ 0.50% · 4.625%
HK$44,397
+HK$2,224/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,346/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,159
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,502
−HK$1,364/mo
Today · 4.125%
HK$45,866
baseline
▲ 0.50% · 4.625%
HK$48,656
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,732/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,014
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,302
−HK$1,306/mo
Today · 4.125%
HK$50,608
baseline
▲ 0.50% · 4.625%
HK$53,276
+HK$2,668/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,216/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,352
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,919
−HK$1,591/mo
Today · 4.125%
HK$53,510
baseline
▲ 0.50% · 4.625%
HK$56,766
+HK$3,256/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,020/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,016
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,519
−HK$1,524/mo
Today · 4.125%
HK$59,043
baseline
▲ 0.50% · 4.625%
HK$62,155
+HK$3,112/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,086/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,739
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,752
−HK$2,046/mo
Today · 4.125%
HK$68,798
baseline
▲ 0.50% · 4.625%
HK$72,985
+HK$4,187/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,596/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,021
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,953
−HK$1,959/mo
Today · 4.125%
HK$75,912
baseline
▲ 0.50% · 4.625%
HK$79,914
+HK$4,002/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,824/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,480 · Scale 2, in force from 26 Feb 2026)