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$35,899
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,016
−HK$1,134/mo
Today · 4.125%
HK$38,150
baseline
▲ 0.50% · 4.625%
HK$40,471
+HK$2,321/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,300/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,937
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,008
−HK$1,087/mo
Today · 4.125%
HK$42,095
baseline
▲ 0.50% · 4.625%
HK$44,314
+HK$2,219/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,190/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,079
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,419
−HK$1,361/mo
Today · 4.125%
HK$45,780
baseline
▲ 0.50% · 4.625%
HK$48,566
+HK$2,786/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,560/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,925
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,210
−HK$1,304/mo
Today · 4.125%
HK$50,514
baseline
▲ 0.50% · 4.625%
HK$53,177
+HK$2,663/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,028/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,259
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,822
−HK$1,588/mo
Today · 4.125%
HK$53,410
baseline
▲ 0.50% · 4.625%
HK$56,660
+HK$3,250/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,820/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,912
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,412
−HK$1,521/mo
Today · 4.125%
HK$58,933
baseline
▲ 0.50% · 4.625%
HK$62,039
+HK$3,106/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,866/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,618
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,628
−HK$2,042/mo
Today · 4.125%
HK$68,670
baseline
▲ 0.50% · 4.625%
HK$72,849
+HK$4,179/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,340/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,887
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,815
−HK$1,956/mo
Today · 4.125%
HK$75,771
baseline
▲ 0.50% · 4.625%
HK$79,765
+HK$3,994/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,542/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,377 · Scale 2, in force from 26 Feb 2026)