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$2,257/mo
▼ 0.25% · 3.875%
HK$37,116
−HK$1,137/mo
Today · 4.125%
HK$38,253
baseline
▲ 0.50% · 4.625%
HK$40,581
+HK$2,328/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,506/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,045
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,119
−HK$1,090/mo
Today · 4.125%
HK$42,209
baseline
▲ 0.50% · 4.625%
HK$44,433
+HK$2,224/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,418/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,195
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,539
−HK$1,365/mo
Today · 4.125%
HK$45,904
baseline
▲ 0.50% · 4.625%
HK$48,697
+HK$2,793/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,808/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,054
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,343
−HK$1,307/mo
Today · 4.125%
HK$50,650
baseline
▲ 0.50% · 4.625%
HK$53,320
+HK$2,670/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,300/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,394
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,962
−HK$1,592/mo
Today · 4.125%
HK$53,554
baseline
▲ 0.50% · 4.625%
HK$56,813
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,108/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,063
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,567
−HK$1,525/mo
Today · 4.125%
HK$59,092
baseline
▲ 0.50% · 4.625%
HK$62,207
+HK$3,115/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,184/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,793
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,808
−HK$2,048/mo
Today · 4.125%
HK$68,856
baseline
▲ 0.50% · 4.625%
HK$73,045
+HK$4,189/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,712/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,081
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,014
−HK$1,962/mo
Today · 4.125%
HK$75,976
baseline
▲ 0.50% · 4.625%
HK$79,980
+HK$4,004/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,952/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,972 · Scale 2, in force from 26 Feb 2026)