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$35,806
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,920
−HK$1,132/mo
Today · 4.125%
HK$38,052
baseline
▲ 0.50% · 4.625%
HK$40,367
+HK$2,315/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,104/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,834
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,902
−HK$1,084/mo
Today · 4.125%
HK$41,986
baseline
▲ 0.50% · 4.625%
HK$44,199
+HK$2,213/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,972/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,968
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,304
−HK$1,358/mo
Today · 4.125%
HK$45,662
baseline
▲ 0.50% · 4.625%
HK$48,440
+HK$2,778/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,324/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,801
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,083
−HK$1,301/mo
Today · 4.125%
HK$50,384
baseline
▲ 0.50% · 4.625%
HK$53,039
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,768/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,129
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,688
−HK$1,584/mo
Today · 4.125%
HK$53,272
baseline
▲ 0.50% · 4.625%
HK$56,514
+HK$3,242/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,544/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,768
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,263
−HK$1,518/mo
Today · 4.125%
HK$58,781
baseline
▲ 0.50% · 4.625%
HK$61,879
+HK$3,098/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,562/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,451
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,456
−HK$2,037/mo
Today · 4.125%
HK$68,493
baseline
▲ 0.50% · 4.625%
HK$72,661
+HK$4,168/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,986/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,701
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,624
−HK$1,951/mo
Today · 4.125%
HK$75,575
baseline
▲ 0.50% · 4.625%
HK$79,559
+HK$3,984/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,150/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,854 · Scale 2, in force from 26 Feb 2026)