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$35,992
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,112
−HK$1,137/mo
Today · 4.125%
HK$38,249
baseline
▲ 0.50% · 4.625%
HK$40,576
+HK$2,327/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,498/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,041
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,115
−HK$1,089/mo
Today · 4.125%
HK$42,204
baseline
▲ 0.50% · 4.625%
HK$44,429
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,408/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,190
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,534
−HK$1,365/mo
Today · 4.125%
HK$45,899
baseline
▲ 0.50% · 4.625%
HK$48,692
+HK$2,793/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,798/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,049
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,338
−HK$1,307/mo
Today · 4.125%
HK$50,645
baseline
▲ 0.50% · 4.625%
HK$53,314
+HK$2,669/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,290/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,389
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,956
−HK$1,593/mo
Today · 4.125%
HK$53,549
baseline
▲ 0.50% · 4.625%
HK$56,807
+HK$3,258/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,098/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,057
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,561
−HK$1,525/mo
Today · 4.125%
HK$59,086
baseline
▲ 0.50% · 4.625%
HK$62,200
+HK$3,114/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,172/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,786
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,801
−HK$2,047/mo
Today · 4.125%
HK$68,848
baseline
▲ 0.50% · 4.625%
HK$73,038
+HK$4,190/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,696/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,073
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,006
−HK$1,961/mo
Today · 4.125%
HK$75,967
baseline
▲ 0.50% · 4.625%
HK$79,972
+HK$4,005/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,934/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,909 · Scale 2, in force from 26 Feb 2026)