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$35,781
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,894
−HK$1,131/mo
Today · 4.125%
HK$38,025
baseline
▲ 0.50% · 4.625%
HK$40,339
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,050/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,806
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,874
−HK$1,083/mo
Today · 4.125%
HK$41,957
baseline
▲ 0.50% · 4.625%
HK$44,168
+HK$2,211/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,914/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,937
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,273
−HK$1,357/mo
Today · 4.125%
HK$45,630
baseline
▲ 0.50% · 4.625%
HK$48,406
+HK$2,776/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,260/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,767
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,048
−HK$1,300/mo
Today · 4.125%
HK$50,348
baseline
▲ 0.50% · 4.625%
HK$53,002
+HK$2,654/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,696/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,094
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,652
−HK$1,583/mo
Today · 4.125%
HK$53,235
baseline
▲ 0.50% · 4.625%
HK$56,474
+HK$3,239/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,470/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,729
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,223
−HK$1,516/mo
Today · 4.125%
HK$58,739
baseline
▲ 0.50% · 4.625%
HK$61,836
+HK$3,097/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,478/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,406
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,409
−HK$2,036/mo
Today · 4.125%
HK$68,445
baseline
▲ 0.50% · 4.625%
HK$72,609
+HK$4,164/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,890/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,651
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,573
−HK$1,949/mo
Today · 4.125%
HK$75,522
baseline
▲ 0.50% · 4.625%
HK$79,503
+HK$3,981/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,044/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,439 · Scale 2, in force from 26 Feb 2026)