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$35,993
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,113
−HK$1,137/mo
Today · 4.125%
HK$38,250
baseline
▲ 0.50% · 4.625%
HK$40,578
+HK$2,328/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,500/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,042
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,116
−HK$1,089/mo
Today · 4.125%
HK$42,205
baseline
▲ 0.50% · 4.625%
HK$44,430
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,410/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,192
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,535
−HK$1,365/mo
Today · 4.125%
HK$45,900
baseline
▲ 0.50% · 4.625%
HK$48,693
+HK$2,793/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,800/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,051
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,339
−HK$1,308/mo
Today · 4.125%
HK$50,647
baseline
▲ 0.50% · 4.625%
HK$53,316
+HK$2,669/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,294/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,391
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,958
−HK$1,592/mo
Today · 4.125%
HK$53,550
baseline
▲ 0.50% · 4.625%
HK$56,809
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,100/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,059
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,562
−HK$1,526/mo
Today · 4.125%
HK$59,088
baseline
▲ 0.50% · 4.625%
HK$62,202
+HK$3,114/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,176/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,788
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,803
−HK$2,048/mo
Today · 4.125%
HK$68,851
baseline
▲ 0.50% · 4.625%
HK$73,040
+HK$4,189/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,702/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,076
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,009
−HK$1,961/mo
Today · 4.125%
HK$75,970
baseline
▲ 0.50% · 4.625%
HK$79,974
+HK$4,004/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,940/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,928 · Scale 2, in force from 26 Feb 2026)