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$35,957
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,075
−HK$1,137/mo
Today · 4.125%
HK$38,212
baseline
▲ 0.50% · 4.625%
HK$40,537
+HK$2,325/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,424/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,001
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,074
−HK$1,089/mo
Today · 4.125%
HK$42,163
baseline
▲ 0.50% · 4.625%
HK$44,385
+HK$2,222/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,326/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,148
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,490
−HK$1,364/mo
Today · 4.125%
HK$45,854
baseline
▲ 0.50% · 4.625%
HK$48,644
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,708/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,002
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,289
−HK$1,306/mo
Today · 4.125%
HK$50,595
baseline
▲ 0.50% · 4.625%
HK$53,262
+HK$2,667/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,190/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,339
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,905
−HK$1,591/mo
Today · 4.125%
HK$53,496
baseline
▲ 0.50% · 4.625%
HK$56,751
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,992/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,002
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,504
−HK$1,524/mo
Today · 4.125%
HK$59,028
baseline
▲ 0.50% · 4.625%
HK$62,139
+HK$3,111/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,056/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,722
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,735
−HK$2,046/mo
Today · 4.125%
HK$68,781
baseline
▲ 0.50% · 4.625%
HK$72,966
+HK$4,185/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,562/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,003
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,934
−HK$1,959/mo
Today · 4.125%
HK$75,893
baseline
▲ 0.50% · 4.625%
HK$79,893
+HK$4,000/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,786/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,327 · Scale 2, in force from 26 Feb 2026)