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$35,854
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,969
−HK$1,134/mo
Today · 4.125%
HK$38,103
baseline
▲ 0.50% · 4.625%
HK$40,421
+HK$2,318/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,206/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,887
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,957
−HK$1,085/mo
Today · 4.125%
HK$42,042
baseline
▲ 0.50% · 4.625%
HK$44,259
+HK$2,217/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,084/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,025
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,363
−HK$1,360/mo
Today · 4.125%
HK$45,723
baseline
▲ 0.50% · 4.625%
HK$48,505
+HK$2,782/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,446/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,865
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,149
−HK$1,302/mo
Today · 4.125%
HK$50,451
baseline
▲ 0.50% · 4.625%
HK$53,110
+HK$2,659/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,902/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,196
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,757
−HK$1,587/mo
Today · 4.125%
HK$53,344
baseline
▲ 0.50% · 4.625%
HK$56,589
+HK$3,245/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,688/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,842
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,340
−HK$1,519/mo
Today · 4.125%
HK$58,859
baseline
▲ 0.50% · 4.625%
HK$61,962
+HK$3,103/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,718/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,538
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,545
−HK$2,040/mo
Today · 4.125%
HK$68,585
baseline
▲ 0.50% · 4.625%
HK$72,758
+HK$4,173/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,170/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,797
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,723
−HK$1,953/mo
Today · 4.125%
HK$75,676
baseline
▲ 0.50% · 4.625%
HK$79,665
+HK$3,989/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,352/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,642 · Scale 2, in force from 26 Feb 2026)