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$35,998
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,118
−HK$1,137/mo
Today · 4.125%
HK$38,255
baseline
▲ 0.50% · 4.625%
HK$40,583
+HK$2,328/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,510/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,047
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,121
−HK$1,090/mo
Today · 4.125%
HK$42,211
baseline
▲ 0.50% · 4.625%
HK$44,436
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,422/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,197
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,541
−HK$1,365/mo
Today · 4.125%
HK$45,906
baseline
▲ 0.50% · 4.625%
HK$48,699
+HK$2,793/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,812/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,057
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,345
−HK$1,308/mo
Today · 4.125%
HK$50,653
baseline
▲ 0.50% · 4.625%
HK$53,323
+HK$2,670/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,306/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,397
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,965
−HK$1,592/mo
Today · 4.125%
HK$53,557
baseline
▲ 0.50% · 4.625%
HK$56,816
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,114/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,066
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,570
−HK$1,525/mo
Today · 4.125%
HK$59,095
baseline
▲ 0.50% · 4.625%
HK$62,210
+HK$3,115/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,190/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,796
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,812
−HK$2,047/mo
Today · 4.125%
HK$68,859
baseline
▲ 0.50% · 4.625%
HK$73,049
+HK$4,190/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,718/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,085
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,018
−HK$1,961/mo
Today · 4.125%
HK$75,979
baseline
▲ 0.50% · 4.625%
HK$79,984
+HK$4,005/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,958/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,002 · Scale 2, in force from 26 Feb 2026)