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$35,883
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,999
−HK$1,134/mo
Today · 4.125%
HK$38,133
baseline
▲ 0.50% · 4.625%
HK$40,453
+HK$2,320/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,266/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,919
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,990
−HK$1,086/mo
Today · 4.125%
HK$42,076
baseline
▲ 0.50% · 4.625%
HK$44,294
+HK$2,218/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,152/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,059
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,399
−HK$1,361/mo
Today · 4.125%
HK$45,760
baseline
▲ 0.50% · 4.625%
HK$48,544
+HK$2,784/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,520/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,903
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,188
−HK$1,303/mo
Today · 4.125%
HK$50,491
baseline
▲ 0.50% · 4.625%
HK$53,153
+HK$2,662/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,982/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,236
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,799
−HK$1,587/mo
Today · 4.125%
HK$53,386
baseline
▲ 0.50% · 4.625%
HK$56,635
+HK$3,249/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,772/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,887
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,386
−HK$1,520/mo
Today · 4.125%
HK$58,906
baseline
▲ 0.50% · 4.625%
HK$62,011
+HK$3,105/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,812/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,589
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,598
−HK$2,041/mo
Today · 4.125%
HK$68,639
baseline
▲ 0.50% · 4.625%
HK$72,816
+HK$4,177/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,278/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,855
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,782
−HK$1,955/mo
Today · 4.125%
HK$75,737
baseline
▲ 0.50% · 4.625%
HK$79,729
+HK$3,992/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,474/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,112 · Scale 2, in force from 26 Feb 2026)