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$35,999
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,119
−HK$1,138/mo
Today · 4.125%
HK$38,257
baseline
▲ 0.50% · 4.625%
HK$40,585
+HK$2,328/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,514/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,049
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,123
−HK$1,090/mo
Today · 4.125%
HK$42,213
baseline
▲ 0.50% · 4.625%
HK$44,438
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,426/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,199
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,543
−HK$1,365/mo
Today · 4.125%
HK$45,908
baseline
▲ 0.50% · 4.625%
HK$48,702
+HK$2,794/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,816/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,059
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,348
−HK$1,307/mo
Today · 4.125%
HK$50,655
baseline
▲ 0.50% · 4.625%
HK$53,325
+HK$2,670/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,310/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,399
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,967
−HK$1,592/mo
Today · 4.125%
HK$53,559
baseline
▲ 0.50% · 4.625%
HK$56,818
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,118/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,068
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,572
−HK$1,526/mo
Today · 4.125%
HK$59,098
baseline
▲ 0.50% · 4.625%
HK$62,213
+HK$3,115/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,196/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,799
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,814
−HK$2,048/mo
Today · 4.125%
HK$68,862
baseline
▲ 0.50% · 4.625%
HK$73,052
+HK$4,190/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,724/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,088
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,021
−HK$1,962/mo
Today · 4.125%
HK$75,983
baseline
▲ 0.50% · 4.625%
HK$79,988
+HK$4,005/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,966/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,027 · Scale 2, in force from 26 Feb 2026)