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$35,865
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,981
−HK$1,133/mo
Today · 4.125%
HK$38,114
baseline
▲ 0.50% · 4.625%
HK$40,434
+HK$2,320/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,228/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,900
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,970
−HK$1,086/mo
Today · 4.125%
HK$42,056
baseline
▲ 0.50% · 4.625%
HK$44,272
+HK$2,216/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,112/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,038
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,377
−HK$1,360/mo
Today · 4.125%
HK$45,737
baseline
▲ 0.50% · 4.625%
HK$48,520
+HK$2,783/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,474/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,880
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,164
−HK$1,303/mo
Today · 4.125%
HK$50,467
baseline
▲ 0.50% · 4.625%
HK$53,127
+HK$2,660/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,934/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,212
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,773
−HK$1,587/mo
Today · 4.125%
HK$53,360
baseline
▲ 0.50% · 4.625%
HK$56,607
+HK$3,247/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,720/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,860
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,358
−HK$1,520/mo
Today · 4.125%
HK$58,878
baseline
▲ 0.50% · 4.625%
HK$61,981
+HK$3,103/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,756/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,558
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,566
−HK$2,040/mo
Today · 4.125%
HK$68,606
baseline
▲ 0.50% · 4.625%
HK$72,781
+HK$4,175/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,212/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,820
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,746
−HK$1,954/mo
Today · 4.125%
HK$75,700
baseline
▲ 0.50% · 4.625%
HK$79,690
+HK$3,990/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,400/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,826 · Scale 2, in force from 26 Feb 2026)