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$35,963
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,082
−HK$1,136/mo
Today · 4.125%
HK$38,218
baseline
▲ 0.50% · 4.625%
HK$40,544
+HK$2,326/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,436/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,009
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,082
−HK$1,088/mo
Today · 4.125%
HK$42,170
baseline
▲ 0.50% · 4.625%
HK$44,393
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,340/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,156
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,498
−HK$1,364/mo
Today · 4.125%
HK$45,862
baseline
▲ 0.50% · 4.625%
HK$48,653
+HK$2,791/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,724/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,010
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,298
−HK$1,306/mo
Today · 4.125%
HK$50,604
baseline
▲ 0.50% · 4.625%
HK$53,272
+HK$2,668/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,208/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,348
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,914
−HK$1,592/mo
Today · 4.125%
HK$53,506
baseline
▲ 0.50% · 4.625%
HK$56,761
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,012/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,012
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,514
−HK$1,524/mo
Today · 4.125%
HK$59,038
baseline
▲ 0.50% · 4.625%
HK$62,150
+HK$3,112/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,076/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,734
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,747
−HK$2,046/mo
Today · 4.125%
HK$68,793
baseline
▲ 0.50% · 4.625%
HK$72,979
+HK$4,186/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,586/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,015
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,947
−HK$1,959/mo
Today · 4.125%
HK$75,906
baseline
▲ 0.50% · 4.625%
HK$79,907
+HK$4,001/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,812/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,432 · Scale 2, in force from 26 Feb 2026)