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$35,982
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,101
−HK$1,138/mo
Today · 4.125%
HK$38,239
baseline
▲ 0.50% · 4.625%
HK$40,565
+HK$2,326/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,478/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,030
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,103
−HK$1,089/mo
Today · 4.125%
HK$42,192
baseline
▲ 0.50% · 4.625%
HK$44,416
+HK$2,224/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,384/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,179
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,522
−HK$1,364/mo
Today · 4.125%
HK$45,886
baseline
▲ 0.50% · 4.625%
HK$48,678
+HK$2,792/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,772/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,036
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,324
−HK$1,307/mo
Today · 4.125%
HK$50,631
baseline
▲ 0.50% · 4.625%
HK$53,300
+HK$2,669/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,262/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,375
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,942
−HK$1,592/mo
Today · 4.125%
HK$53,534
baseline
▲ 0.50% · 4.625%
HK$56,791
+HK$3,257/mo
Deposit HK$4.73M · loan HK$11.05M · min. income ≈ HK$107,068/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,042
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,545
−HK$1,524/mo
Today · 4.125%
HK$59,069
baseline
▲ 0.50% · 4.625%
HK$62,183
+HK$3,114/mo
Deposit HK$4.73M · loan HK$11.05M · min. income ≈ HK$118,138/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,768
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,782
−HK$2,047/mo
Today · 4.125%
HK$68,829
baseline
▲ 0.50% · 4.625%
HK$73,017
+HK$4,188/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,658/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,054
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,986
−HK$1,960/mo
Today · 4.125%
HK$75,946
baseline
▲ 0.50% · 4.625%
HK$79,950
+HK$4,004/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,892/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,745 · Scale 2, in force from 26 Feb 2026)