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$35,844
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,959
−HK$1,133/mo
Today · 4.125%
HK$38,092
baseline
▲ 0.50% · 4.625%
HK$40,410
+HK$2,318/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,184/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,876
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,946
−HK$1,084/mo
Today · 4.125%
HK$42,030
baseline
▲ 0.50% · 4.625%
HK$44,246
+HK$2,216/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,060/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,013
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,351
−HK$1,359/mo
Today · 4.125%
HK$45,710
baseline
▲ 0.50% · 4.625%
HK$48,491
+HK$2,781/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,420/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,851
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,135
−HK$1,302/mo
Today · 4.125%
HK$50,437
baseline
▲ 0.50% · 4.625%
HK$53,095
+HK$2,658/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,874/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,182
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,743
−HK$1,585/mo
Today · 4.125%
HK$53,328
baseline
▲ 0.50% · 4.625%
HK$56,573
+HK$3,245/mo
Deposit HK$4.72M · loan HK$11.00M · min. income ≈ HK$106,656/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,827
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,324
−HK$1,519/mo
Today · 4.125%
HK$58,843
baseline
▲ 0.50% · 4.625%
HK$61,944
+HK$3,101/mo
Deposit HK$4.72M · loan HK$11.00M · min. income ≈ HK$117,686/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,519
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,526
−HK$2,039/mo
Today · 4.125%
HK$68,565
baseline
▲ 0.50% · 4.625%
HK$72,737
+HK$4,172/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,130/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,777
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,702
−HK$1,953/mo
Today · 4.125%
HK$75,655
baseline
▲ 0.50% · 4.625%
HK$79,643
+HK$3,988/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,310/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,474 · Scale 2, in force from 26 Feb 2026)