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$35,908
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,025
−HK$1,135/mo
Today · 4.125%
HK$38,160
baseline
▲ 0.50% · 4.625%
HK$40,482
+HK$2,322/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,320/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,948
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,019
−HK$1,087/mo
Today · 4.125%
HK$42,106
baseline
▲ 0.50% · 4.625%
HK$44,325
+HK$2,219/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,212/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,090
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,430
−HK$1,362/mo
Today · 4.125%
HK$45,792
baseline
▲ 0.50% · 4.625%
HK$48,578
+HK$2,786/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,584/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,937
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,223
−HK$1,304/mo
Today · 4.125%
HK$50,527
baseline
▲ 0.50% · 4.625%
HK$53,190
+HK$2,663/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,054/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,272
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,835
−HK$1,589/mo
Today · 4.125%
HK$53,424
baseline
▲ 0.50% · 4.625%
HK$56,675
+HK$3,251/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,848/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,927
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,427
−HK$1,521/mo
Today · 4.125%
HK$58,948
baseline
▲ 0.50% · 4.625%
HK$62,055
+HK$3,107/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,896/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,635
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,645
−HK$2,043/mo
Today · 4.125%
HK$68,688
baseline
▲ 0.50% · 4.625%
HK$72,868
+HK$4,180/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,376/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,906
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,834
−HK$1,957/mo
Today · 4.125%
HK$75,791
baseline
▲ 0.50% · 4.625%
HK$79,786
+HK$3,995/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,582/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,531 · Scale 2, in force from 26 Feb 2026)