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$35,976
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,095
−HK$1,137/mo
Today · 4.125%
HK$38,232
baseline
▲ 0.50% · 4.625%
HK$40,558
+HK$2,326/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,464/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,023
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,096
−HK$1,089/mo
Today · 4.125%
HK$42,185
baseline
▲ 0.50% · 4.625%
HK$44,409
+HK$2,224/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,370/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,171
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,514
−HK$1,364/mo
Today · 4.125%
HK$45,878
baseline
▲ 0.50% · 4.625%
HK$48,670
+HK$2,792/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,756/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,027
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,316
−HK$1,306/mo
Today · 4.125%
HK$50,622
baseline
▲ 0.50% · 4.625%
HK$53,291
+HK$2,669/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,244/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,366
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,933
−HK$1,592/mo
Today · 4.125%
HK$53,525
baseline
▲ 0.50% · 4.625%
HK$56,782
+HK$3,257/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,050/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,032
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,535
−HK$1,524/mo
Today · 4.125%
HK$59,059
baseline
▲ 0.50% · 4.625%
HK$62,172
+HK$3,113/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,118/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,757
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,771
−HK$2,047/mo
Today · 4.125%
HK$68,818
baseline
▲ 0.50% · 4.625%
HK$73,005
+HK$4,187/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,636/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,041
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,973
−HK$1,960/mo
Today · 4.125%
HK$75,933
baseline
▲ 0.50% · 4.625%
HK$79,936
+HK$4,003/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,866/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,644 · Scale 2, in force from 26 Feb 2026)