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$36,005
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,124
−HK$1,138/mo
Today · 4.125%
HK$38,262
baseline
▲ 0.50% · 4.625%
HK$40,591
+HK$2,329/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,524/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,055
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,129
−HK$1,090/mo
Today · 4.125%
HK$42,219
baseline
▲ 0.50% · 4.625%
HK$44,444
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,438/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,205
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,549
−HK$1,366/mo
Today · 4.125%
HK$45,915
baseline
▲ 0.50% · 4.625%
HK$48,709
+HK$2,794/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$91,830/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,066
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,355
−HK$1,307/mo
Today · 4.125%
HK$50,662
baseline
▲ 0.50% · 4.625%
HK$53,333
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$101,324/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,406
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,974
−HK$1,593/mo
Today · 4.125%
HK$53,567
baseline
▲ 0.50% · 4.625%
HK$56,827
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,134/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,077
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,581
−HK$1,525/mo
Today · 4.125%
HK$59,106
baseline
▲ 0.50% · 4.625%
HK$62,222
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,212/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,808
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,824
−HK$2,048/mo
Today · 4.125%
HK$68,872
baseline
▲ 0.50% · 4.625%
HK$73,063
+HK$4,191/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,744/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,098
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,032
−HK$1,962/mo
Today · 4.125%
HK$75,994
baseline
▲ 0.50% · 4.625%
HK$79,999
+HK$4,005/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,988/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,114 · Scale 2, in force from 26 Feb 2026)