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$36,003
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,123
−HK$1,137/mo
Today · 4.125%
HK$38,260
baseline
▲ 0.50% · 4.625%
HK$40,589
+HK$2,329/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,520/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,053
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,127
−HK$1,090/mo
Today · 4.125%
HK$42,217
baseline
▲ 0.50% · 4.625%
HK$44,442
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,434/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,203
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,547
−HK$1,366/mo
Today · 4.125%
HK$45,913
baseline
▲ 0.50% · 4.625%
HK$48,706
+HK$2,793/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$91,826/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,063
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,352
−HK$1,308/mo
Today · 4.125%
HK$50,660
baseline
▲ 0.50% · 4.625%
HK$53,330
+HK$2,670/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$101,320/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,404
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,972
−HK$1,593/mo
Today · 4.125%
HK$53,565
baseline
▲ 0.50% · 4.625%
HK$56,824
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,130/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,074
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,578
−HK$1,525/mo
Today · 4.125%
HK$59,103
baseline
▲ 0.50% · 4.625%
HK$62,219
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,206/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,805
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,821
−HK$2,048/mo
Today · 4.125%
HK$68,869
baseline
▲ 0.50% · 4.625%
HK$73,059
+HK$4,190/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,738/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,095
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,028
−HK$1,962/mo
Today · 4.125%
HK$75,990
baseline
▲ 0.50% · 4.625%
HK$79,996
+HK$4,006/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,980/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,085 · Scale 2, in force from 26 Feb 2026)