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$35,897
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,014
−HK$1,134/mo
Today · 4.125%
HK$38,148
baseline
▲ 0.50% · 4.625%
HK$40,470
+HK$2,322/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,296/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,935
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,006
−HK$1,087/mo
Today · 4.125%
HK$42,093
baseline
▲ 0.50% · 4.625%
HK$44,312
+HK$2,219/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,186/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,077
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,417
−HK$1,361/mo
Today · 4.125%
HK$45,778
baseline
▲ 0.50% · 4.625%
HK$48,564
+HK$2,786/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,556/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,922
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,208
−HK$1,304/mo
Today · 4.125%
HK$50,512
baseline
▲ 0.50% · 4.625%
HK$53,174
+HK$2,662/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,024/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,256
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,819
−HK$1,589/mo
Today · 4.125%
HK$53,408
baseline
▲ 0.50% · 4.625%
HK$56,657
+HK$3,249/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,816/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,910
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,409
−HK$1,521/mo
Today · 4.125%
HK$58,930
baseline
▲ 0.50% · 4.625%
HK$62,036
+HK$3,106/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,860/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,615
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,625
−HK$2,042/mo
Today · 4.125%
HK$68,667
baseline
▲ 0.50% · 4.625%
HK$72,845
+HK$4,178/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,334/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,884
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,812
−HK$1,955/mo
Today · 4.125%
HK$75,767
baseline
▲ 0.50% · 4.625%
HK$79,761
+HK$3,994/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,534/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,350 · Scale 2, in force from 26 Feb 2026)