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$35,861
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,976
−HK$1,134/mo
Today · 4.125%
HK$38,110
baseline
▲ 0.50% · 4.625%
HK$40,429
+HK$2,319/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,220/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,895
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,965
−HK$1,085/mo
Today · 4.125%
HK$42,050
baseline
▲ 0.50% · 4.625%
HK$44,267
+HK$2,217/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,100/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,033
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,372
−HK$1,360/mo
Today · 4.125%
HK$45,732
baseline
▲ 0.50% · 4.625%
HK$48,514
+HK$2,782/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,464/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,874
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,158
−HK$1,302/mo
Today · 4.125%
HK$50,460
baseline
▲ 0.50% · 4.625%
HK$53,120
+HK$2,660/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,920/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,205
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,767
−HK$1,587/mo
Today · 4.125%
HK$53,354
baseline
▲ 0.50% · 4.625%
HK$56,600
+HK$3,246/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,708/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,853
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,351
−HK$1,519/mo
Today · 4.125%
HK$58,870
baseline
▲ 0.50% · 4.625%
HK$61,974
+HK$3,104/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,740/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,550
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,558
−HK$2,040/mo
Today · 4.125%
HK$68,598
baseline
▲ 0.50% · 4.625%
HK$72,772
+HK$4,174/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,196/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,811
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,737
−HK$1,954/mo
Today · 4.125%
HK$75,691
baseline
▲ 0.50% · 4.625%
HK$79,680
+HK$3,989/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,382/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,752 · Scale 2, in force from 26 Feb 2026)