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$35,807
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,921
−HK$1,132/mo
Today · 4.125%
HK$38,053
baseline
▲ 0.50% · 4.625%
HK$40,368
+HK$2,315/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,106/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,835
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,904
−HK$1,083/mo
Today · 4.125%
HK$41,987
baseline
▲ 0.50% · 4.625%
HK$44,201
+HK$2,214/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,974/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,969
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,305
−HK$1,358/mo
Today · 4.125%
HK$45,663
baseline
▲ 0.50% · 4.625%
HK$48,442
+HK$2,779/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,326/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,802
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,084
−HK$1,301/mo
Today · 4.125%
HK$50,385
baseline
▲ 0.50% · 4.625%
HK$53,041
+HK$2,656/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,770/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,130
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,690
−HK$1,584/mo
Today · 4.125%
HK$53,274
baseline
▲ 0.50% · 4.625%
HK$56,515
+HK$3,241/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,548/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,769
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,265
−HK$1,517/mo
Today · 4.125%
HK$58,782
baseline
▲ 0.50% · 4.625%
HK$61,881
+HK$3,099/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,564/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,453
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,458
−HK$2,037/mo
Today · 4.125%
HK$68,495
baseline
▲ 0.50% · 4.625%
HK$72,663
+HK$4,168/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,990/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,703
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,626
−HK$1,951/mo
Today · 4.125%
HK$75,577
baseline
▲ 0.50% · 4.625%
HK$79,561
+HK$3,984/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,154/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,870 · Scale 2, in force from 26 Feb 2026)