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$35,974
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,093
−HK$1,137/mo
Today · 4.125%
HK$38,230
baseline
▲ 0.50% · 4.625%
HK$40,556
+HK$2,326/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,460/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,020
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,094
−HK$1,089/mo
Today · 4.125%
HK$42,183
baseline
▲ 0.50% · 4.625%
HK$44,406
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,366/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,169
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,511
−HK$1,365/mo
Today · 4.125%
HK$45,876
baseline
▲ 0.50% · 4.625%
HK$48,667
+HK$2,791/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,752/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,025
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,313
−HK$1,306/mo
Today · 4.125%
HK$50,619
baseline
▲ 0.50% · 4.625%
HK$53,287
+HK$2,668/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,238/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,363
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,930
−HK$1,591/mo
Today · 4.125%
HK$53,521
baseline
▲ 0.50% · 4.625%
HK$56,778
+HK$3,257/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,042/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,029
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,531
−HK$1,525/mo
Today · 4.125%
HK$59,056
baseline
▲ 0.50% · 4.625%
HK$62,169
+HK$3,113/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,112/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,753
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,767
−HK$2,046/mo
Today · 4.125%
HK$68,813
baseline
▲ 0.50% · 4.625%
HK$73,000
+HK$4,187/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,626/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,037
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,969
−HK$1,960/mo
Today · 4.125%
HK$75,929
baseline
▲ 0.50% · 4.625%
HK$79,931
+HK$4,002/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,858/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,608 · Scale 2, in force from 26 Feb 2026)