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$35,775
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,888
−HK$1,131/mo
Today · 4.125%
HK$38,019
baseline
▲ 0.50% · 4.625%
HK$40,332
+HK$2,313/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,038/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,800
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,867
−HK$1,083/mo
Today · 4.125%
HK$41,950
baseline
▲ 0.50% · 4.625%
HK$44,161
+HK$2,211/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,900/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,930
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,266
−HK$1,356/mo
Today · 4.125%
HK$45,622
baseline
▲ 0.50% · 4.625%
HK$48,398
+HK$2,776/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$91,244/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,759
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,040
−HK$1,300/mo
Today · 4.125%
HK$50,340
baseline
▲ 0.50% · 4.625%
HK$52,993
+HK$2,653/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$100,680/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,085
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,643
−HK$1,583/mo
Today · 4.125%
HK$53,226
baseline
▲ 0.50% · 4.625%
HK$56,465
+HK$3,239/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,452/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,719
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,214
−HK$1,516/mo
Today · 4.125%
HK$58,730
baseline
▲ 0.50% · 4.625%
HK$61,825
+HK$3,095/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,460/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,395
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,398
−HK$2,036/mo
Today · 4.125%
HK$68,434
baseline
▲ 0.50% · 4.625%
HK$72,598
+HK$4,164/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,868/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,639
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,561
−HK$1,949/mo
Today · 4.125%
HK$75,510
baseline
▲ 0.50% · 4.625%
HK$79,490
+HK$3,980/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,020/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,343 · Scale 2, in force from 26 Feb 2026)