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$35,980
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,099
−HK$1,137/mo
Today · 4.125%
HK$38,236
baseline
▲ 0.50% · 4.625%
HK$40,563
+HK$2,327/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,472/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,027
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,101
−HK$1,089/mo
Today · 4.125%
HK$42,190
baseline
▲ 0.50% · 4.625%
HK$44,414
+HK$2,224/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,380/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,176
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,519
−HK$1,364/mo
Today · 4.125%
HK$45,883
baseline
▲ 0.50% · 4.625%
HK$48,675
+HK$2,792/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,766/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,033
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,321
−HK$1,307/mo
Today · 4.125%
HK$50,628
baseline
▲ 0.50% · 4.625%
HK$53,296
+HK$2,668/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,256/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,372
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,939
−HK$1,592/mo
Today · 4.125%
HK$53,531
baseline
▲ 0.50% · 4.625%
HK$56,788
+HK$3,257/mo
Deposit HK$4.73M · loan HK$11.05M · min. income ≈ HK$107,062/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,038
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,541
−HK$1,525/mo
Today · 4.125%
HK$59,066
baseline
▲ 0.50% · 4.625%
HK$62,179
+HK$3,113/mo
Deposit HK$4.73M · loan HK$11.05M · min. income ≈ HK$118,132/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,764
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,778
−HK$2,047/mo
Today · 4.125%
HK$68,825
baseline
▲ 0.50% · 4.625%
HK$73,013
+HK$4,188/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,650/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,049
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,981
−HK$1,961/mo
Today · 4.125%
HK$75,942
baseline
▲ 0.50% · 4.625%
HK$79,945
+HK$4,003/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,884/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,709 · Scale 2, in force from 26 Feb 2026)