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$35,984
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,104
−HK$1,137/mo
Today · 4.125%
HK$38,241
baseline
▲ 0.50% · 4.625%
HK$40,568
+HK$2,327/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,482/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,032
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,106
−HK$1,089/mo
Today · 4.125%
HK$42,195
baseline
▲ 0.50% · 4.625%
HK$44,419
+HK$2,224/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,390/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,181
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,525
−HK$1,364/mo
Today · 4.125%
HK$45,889
baseline
▲ 0.50% · 4.625%
HK$48,681
+HK$2,792/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,778/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,039
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,327
−HK$1,307/mo
Today · 4.125%
HK$50,634
baseline
▲ 0.50% · 4.625%
HK$53,303
+HK$2,669/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,268/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,378
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,945
−HK$1,592/mo
Today · 4.125%
HK$53,537
baseline
▲ 0.50% · 4.625%
HK$56,795
+HK$3,258/mo
Deposit HK$4.73M · loan HK$11.05M · min. income ≈ HK$107,074/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,045
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,548
−HK$1,525/mo
Today · 4.125%
HK$59,073
baseline
▲ 0.50% · 4.625%
HK$62,187
+HK$3,114/mo
Deposit HK$4.73M · loan HK$11.05M · min. income ≈ HK$118,146/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,772
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,787
−HK$2,047/mo
Today · 4.125%
HK$68,834
baseline
▲ 0.50% · 4.625%
HK$73,022
+HK$4,188/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,668/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,058
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,991
−HK$1,960/mo
Today · 4.125%
HK$75,951
baseline
▲ 0.50% · 4.625%
HK$79,955
+HK$4,004/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,902/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,784 · Scale 2, in force from 26 Feb 2026)