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$2,257/mo
▼ 0.25% · 3.875%
HK$37,096
−HK$1,137/mo
Today · 4.125%
HK$38,233
baseline
▲ 0.50% · 4.625%
HK$40,559
+HK$2,326/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,466/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,023
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,097
−HK$1,089/mo
Today · 4.125%
HK$42,186
baseline
▲ 0.50% · 4.625%
HK$44,409
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,372/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,172
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,515
−HK$1,364/mo
Today · 4.125%
HK$45,879
baseline
▲ 0.50% · 4.625%
HK$48,671
+HK$2,792/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,758/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,028
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,316
−HK$1,307/mo
Today · 4.125%
HK$50,623
baseline
▲ 0.50% · 4.625%
HK$53,291
+HK$2,668/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,246/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,367
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,934
−HK$1,592/mo
Today · 4.125%
HK$53,526
baseline
▲ 0.50% · 4.625%
HK$56,782
+HK$3,256/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,052/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,033
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,536
−HK$1,524/mo
Today · 4.125%
HK$59,060
baseline
▲ 0.50% · 4.625%
HK$62,173
+HK$3,113/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,120/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,758
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,772
−HK$2,047/mo
Today · 4.125%
HK$68,819
baseline
▲ 0.50% · 4.625%
HK$73,006
+HK$4,187/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,638/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,042
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,974
−HK$1,960/mo
Today · 4.125%
HK$75,934
baseline
▲ 0.50% · 4.625%
HK$79,937
+HK$4,003/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,868/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,652 · Scale 2, in force from 26 Feb 2026)