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$35,970
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,088
−HK$1,137/mo
Today · 4.125%
HK$38,225
baseline
▲ 0.50% · 4.625%
HK$40,551
+HK$2,326/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,450/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,016
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,089
−HK$1,089/mo
Today · 4.125%
HK$42,178
baseline
▲ 0.50% · 4.625%
HK$44,401
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,356/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,164
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,506
−HK$1,364/mo
Today · 4.125%
HK$45,870
baseline
▲ 0.50% · 4.625%
HK$48,661
+HK$2,791/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,740/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,019
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,307
−HK$1,306/mo
Today · 4.125%
HK$50,613
baseline
▲ 0.50% · 4.625%
HK$53,281
+HK$2,668/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,226/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,357
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,924
−HK$1,591/mo
Today · 4.125%
HK$53,515
baseline
▲ 0.50% · 4.625%
HK$56,772
+HK$3,257/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,030/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,022
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,525
−HK$1,524/mo
Today · 4.125%
HK$59,049
baseline
▲ 0.50% · 4.625%
HK$62,161
+HK$3,112/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,098/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,745
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,759
−HK$2,046/mo
Today · 4.125%
HK$68,805
baseline
▲ 0.50% · 4.625%
HK$72,992
+HK$4,187/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,610/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,029
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,960
−HK$1,960/mo
Today · 4.125%
HK$75,920
baseline
▲ 0.50% · 4.625%
HK$79,922
+HK$4,002/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,840/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,540 · Scale 2, in force from 26 Feb 2026)