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$35,914
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,031
−HK$1,135/mo
Today · 4.125%
HK$38,166
baseline
▲ 0.50% · 4.625%
HK$40,488
+HK$2,322/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,332/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,954
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,025
−HK$1,087/mo
Today · 4.125%
HK$42,112
baseline
▲ 0.50% · 4.625%
HK$44,332
+HK$2,220/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,224/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,096
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,437
−HK$1,362/mo
Today · 4.125%
HK$45,799
baseline
▲ 0.50% · 4.625%
HK$48,586
+HK$2,787/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,598/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,944
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,230
−HK$1,305/mo
Today · 4.125%
HK$50,535
baseline
▲ 0.50% · 4.625%
HK$53,198
+HK$2,663/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,070/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,279
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,843
−HK$1,589/mo
Today · 4.125%
HK$53,432
baseline
▲ 0.50% · 4.625%
HK$56,683
+HK$3,251/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,864/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,935
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,435
−HK$1,522/mo
Today · 4.125%
HK$58,957
baseline
▲ 0.50% · 4.625%
HK$62,065
+HK$3,108/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,914/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,644
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,655
−HK$2,043/mo
Today · 4.125%
HK$68,698
baseline
▲ 0.50% · 4.625%
HK$72,878
+HK$4,180/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,396/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,916
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,845
−HK$1,957/mo
Today · 4.125%
HK$75,802
baseline
▲ 0.50% · 4.625%
HK$79,797
+HK$3,995/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,604/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,618 · Scale 2, in force from 26 Feb 2026)