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$35,824
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,939
−HK$1,132/mo
Today · 4.125%
HK$38,071
baseline
▲ 0.50% · 4.625%
HK$40,387
+HK$2,316/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,142/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,854
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,923
−HK$1,084/mo
Today · 4.125%
HK$42,007
baseline
▲ 0.50% · 4.625%
HK$44,222
+HK$2,215/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,014/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,989
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,326
−HK$1,359/mo
Today · 4.125%
HK$45,685
baseline
▲ 0.50% · 4.625%
HK$48,465
+HK$2,780/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$91,370/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,825
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,108
−HK$1,301/mo
Today · 4.125%
HK$50,409
baseline
▲ 0.50% · 4.625%
HK$53,066
+HK$2,657/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$100,818/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,154
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,714
−HK$1,585/mo
Today · 4.125%
HK$53,299
baseline
▲ 0.50% · 4.625%
HK$56,542
+HK$3,243/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,598/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,796
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,292
−HK$1,518/mo
Today · 4.125%
HK$58,810
baseline
▲ 0.50% · 4.625%
HK$61,910
+HK$3,100/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,620/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,484
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,489
−HK$2,038/mo
Today · 4.125%
HK$68,527
baseline
▲ 0.50% · 4.625%
HK$72,697
+HK$4,170/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,054/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,737
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,661
−HK$1,952/mo
Today · 4.125%
HK$75,613
baseline
▲ 0.50% · 4.625%
HK$79,599
+HK$3,986/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,226/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,149 · Scale 2, in force from 26 Feb 2026)