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$35,996
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,116
−HK$1,138/mo
Today · 4.125%
HK$38,254
baseline
▲ 0.50% · 4.625%
HK$40,581
+HK$2,327/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,508/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$591,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,046
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,120
−HK$1,089/mo
Today · 4.125%
HK$42,209
baseline
▲ 0.50% · 4.625%
HK$44,434
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,418/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$591,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,196
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,539
−HK$1,366/mo
Today · 4.125%
HK$45,905
baseline
▲ 0.50% · 4.625%
HK$48,698
+HK$2,793/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,810/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,055
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,344
−HK$1,307/mo
Today · 4.125%
HK$50,651
baseline
▲ 0.50% · 4.625%
HK$53,321
+HK$2,670/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,302/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,395
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,963
−HK$1,592/mo
Today · 4.125%
HK$53,555
baseline
▲ 0.50% · 4.625%
HK$56,814
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,110/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,064
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,568
−HK$1,525/mo
Today · 4.125%
HK$59,093
baseline
▲ 0.50% · 4.625%
HK$62,208
+HK$3,115/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,186/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,794
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,809
−HK$2,048/mo
Today · 4.125%
HK$68,857
baseline
▲ 0.50% · 4.625%
HK$73,047
+HK$4,190/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,714/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,082
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,015
−HK$1,962/mo
Today · 4.125%
HK$75,977
baseline
▲ 0.50% · 4.625%
HK$79,981
+HK$4,004/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,954/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,981 · Scale 2, in force from 26 Feb 2026)