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$35,994
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,113
−HK$1,138/mo
Today · 4.125%
HK$38,251
baseline
▲ 0.50% · 4.625%
HK$40,578
+HK$2,327/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,502/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,042
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,116
−HK$1,090/mo
Today · 4.125%
HK$42,206
baseline
▲ 0.50% · 4.625%
HK$44,431
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,412/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,192
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,536
−HK$1,365/mo
Today · 4.125%
HK$45,901
baseline
▲ 0.50% · 4.625%
HK$48,694
+HK$2,793/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,802/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,051
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,340
−HK$1,307/mo
Today · 4.125%
HK$50,647
baseline
▲ 0.50% · 4.625%
HK$53,317
+HK$2,670/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,294/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,391
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,958
−HK$1,593/mo
Today · 4.125%
HK$53,551
baseline
▲ 0.50% · 4.625%
HK$56,809
+HK$3,258/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,102/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,059
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,563
−HK$1,525/mo
Today · 4.125%
HK$59,088
baseline
▲ 0.50% · 4.625%
HK$62,203
+HK$3,115/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,176/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,788
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,804
−HK$2,047/mo
Today · 4.125%
HK$68,851
baseline
▲ 0.50% · 4.625%
HK$73,041
+HK$4,190/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,702/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,076
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,009
−HK$1,961/mo
Today · 4.125%
HK$75,970
baseline
▲ 0.50% · 4.625%
HK$79,975
+HK$4,005/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,940/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,933 · Scale 2, in force from 26 Feb 2026)