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$35,799
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,912
−HK$1,132/mo
Today · 4.125%
HK$38,044
baseline
▲ 0.50% · 4.625%
HK$40,358
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,088/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,826
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,894
−HK$1,083/mo
Today · 4.125%
HK$41,977
baseline
▲ 0.50% · 4.625%
HK$44,190
+HK$2,213/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,954/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,958
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,295
−HK$1,357/mo
Today · 4.125%
HK$45,652
baseline
▲ 0.50% · 4.625%
HK$48,430
+HK$2,778/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,304/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,791
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,072
−HK$1,301/mo
Today · 4.125%
HK$50,373
baseline
▲ 0.50% · 4.625%
HK$53,028
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,746/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,118
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,677
−HK$1,584/mo
Today · 4.125%
HK$53,261
baseline
▲ 0.50% · 4.625%
HK$56,502
+HK$3,241/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,522/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,756
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,251
−HK$1,517/mo
Today · 4.125%
HK$58,768
baseline
▲ 0.50% · 4.625%
HK$61,866
+HK$3,098/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,536/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,438
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,442
−HK$2,036/mo
Today · 4.125%
HK$68,478
baseline
▲ 0.50% · 4.625%
HK$72,645
+HK$4,167/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,956/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,686
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,609
−HK$1,950/mo
Today · 4.125%
HK$75,559
baseline
▲ 0.50% · 4.625%
HK$79,542
+HK$3,983/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,118/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,728 · Scale 2, in force from 26 Feb 2026)