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$35,782
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,895
−HK$1,131/mo
Today · 4.125%
HK$38,026
baseline
▲ 0.50% · 4.625%
HK$40,340
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,052/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,807
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,875
−HK$1,083/mo
Today · 4.125%
HK$41,958
baseline
▲ 0.50% · 4.625%
HK$44,170
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,916/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,939
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,274
−HK$1,357/mo
Today · 4.125%
HK$45,631
baseline
▲ 0.50% · 4.625%
HK$48,408
+HK$2,777/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,262/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,769
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,050
−HK$1,300/mo
Today · 4.125%
HK$50,350
baseline
▲ 0.50% · 4.625%
HK$53,004
+HK$2,654/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,700/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,095
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,653
−HK$1,583/mo
Today · 4.125%
HK$53,236
baseline
▲ 0.50% · 4.625%
HK$56,476
+HK$3,240/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,472/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,730
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,225
−HK$1,516/mo
Today · 4.125%
HK$58,741
baseline
▲ 0.50% · 4.625%
HK$61,838
+HK$3,097/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,482/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,408
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,411
−HK$2,036/mo
Today · 4.125%
HK$68,447
baseline
▲ 0.50% · 4.625%
HK$72,612
+HK$4,165/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,894/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,653
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,575
−HK$1,949/mo
Today · 4.125%
HK$75,524
baseline
▲ 0.50% · 4.625%
HK$79,505
+HK$3,981/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,048/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,457 · Scale 2, in force from 26 Feb 2026)