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$35,995
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,115
−HK$1,137/mo
Today · 4.125%
HK$38,252
baseline
▲ 0.50% · 4.625%
HK$40,580
+HK$2,328/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,504/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,044
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,118
−HK$1,090/mo
Today · 4.125%
HK$42,208
baseline
▲ 0.50% · 4.625%
HK$44,433
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,416/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,194
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,538
−HK$1,365/mo
Today · 4.125%
HK$45,903
baseline
▲ 0.50% · 4.625%
HK$48,696
+HK$2,793/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,806/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,053
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,342
−HK$1,307/mo
Today · 4.125%
HK$50,649
baseline
▲ 0.50% · 4.625%
HK$53,319
+HK$2,670/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,298/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,393
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,961
−HK$1,592/mo
Today · 4.125%
HK$53,553
baseline
▲ 0.50% · 4.625%
HK$56,812
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,106/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,062
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,566
−HK$1,525/mo
Today · 4.125%
HK$59,091
baseline
▲ 0.50% · 4.625%
HK$62,206
+HK$3,115/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,182/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,791
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,807
−HK$2,047/mo
Today · 4.125%
HK$68,854
baseline
▲ 0.50% · 4.625%
HK$73,044
+HK$4,190/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,708/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,080
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,013
−HK$1,961/mo
Today · 4.125%
HK$75,974
baseline
▲ 0.50% · 4.625%
HK$79,979
+HK$4,005/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,948/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,960 · Scale 2, in force from 26 Feb 2026)