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$35,902
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,019
−HK$1,134/mo
Today · 4.125%
HK$38,153
baseline
▲ 0.50% · 4.625%
HK$40,475
+HK$2,322/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,306/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,941
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,012
−HK$1,086/mo
Today · 4.125%
HK$42,098
baseline
▲ 0.50% · 4.625%
HK$44,317
+HK$2,219/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,196/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,082
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,422
−HK$1,362/mo
Today · 4.125%
HK$45,784
baseline
▲ 0.50% · 4.625%
HK$48,570
+HK$2,786/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,568/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,929
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,214
−HK$1,304/mo
Today · 4.125%
HK$50,518
baseline
▲ 0.50% · 4.625%
HK$53,181
+HK$2,663/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,036/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,263
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,826
−HK$1,589/mo
Today · 4.125%
HK$53,415
baseline
▲ 0.50% · 4.625%
HK$56,665
+HK$3,250/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,830/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,917
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,416
−HK$1,522/mo
Today · 4.125%
HK$58,938
baseline
▲ 0.50% · 4.625%
HK$62,044
+HK$3,106/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,876/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,623
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,634
−HK$2,042/mo
Today · 4.125%
HK$68,676
baseline
▲ 0.50% · 4.625%
HK$72,855
+HK$4,179/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,352/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,893
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,821
−HK$1,956/mo
Today · 4.125%
HK$75,777
baseline
▲ 0.50% · 4.625%
HK$79,771
+HK$3,994/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,554/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,426 · Scale 2, in force from 26 Feb 2026)