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$35,851
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,966
−HK$1,133/mo
Today · 4.125%
HK$38,099
baseline
▲ 0.50% · 4.625%
HK$40,417
+HK$2,318/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,198/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,883
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,953
−HK$1,085/mo
Today · 4.125%
HK$42,038
baseline
▲ 0.50% · 4.625%
HK$44,254
+HK$2,216/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,076/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,021
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,359
−HK$1,360/mo
Today · 4.125%
HK$45,719
baseline
▲ 0.50% · 4.625%
HK$48,500
+HK$2,781/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,438/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,860
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,144
−HK$1,302/mo
Today · 4.125%
HK$50,446
baseline
▲ 0.50% · 4.625%
HK$53,105
+HK$2,659/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,892/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,191
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,752
−HK$1,586/mo
Today · 4.125%
HK$53,338
baseline
▲ 0.50% · 4.625%
HK$56,584
+HK$3,246/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,676/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,837
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,334
−HK$1,520/mo
Today · 4.125%
HK$58,854
baseline
▲ 0.50% · 4.625%
HK$61,956
+HK$3,102/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,708/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,531
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,538
−HK$2,040/mo
Today · 4.125%
HK$68,578
baseline
▲ 0.50% · 4.625%
HK$72,751
+HK$4,173/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,156/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,790
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,716
−HK$1,953/mo
Today · 4.125%
HK$75,669
baseline
▲ 0.50% · 4.625%
HK$79,657
+HK$3,988/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,338/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,583 · Scale 2, in force from 26 Feb 2026)