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$35,891
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,008
−HK$1,134/mo
Today · 4.125%
HK$38,142
baseline
▲ 0.50% · 4.625%
HK$40,463
+HK$2,321/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,284/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,929
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,999
−HK$1,087/mo
Today · 4.125%
HK$42,086
baseline
▲ 0.50% · 4.625%
HK$44,304
+HK$2,218/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,172/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,069
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,409
−HK$1,361/mo
Today · 4.125%
HK$45,770
baseline
▲ 0.50% · 4.625%
HK$48,555
+HK$2,785/mo
Deposit HK$6.30M · loan HK$9.44M · min. income ≈ HK$91,540/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,914
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,199
−HK$1,304/mo
Today · 4.125%
HK$50,503
baseline
▲ 0.50% · 4.625%
HK$53,165
+HK$2,662/mo
Deposit HK$6.30M · loan HK$9.44M · min. income ≈ HK$101,006/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,248
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,811
−HK$1,588/mo
Today · 4.125%
HK$53,399
baseline
▲ 0.50% · 4.625%
HK$56,648
+HK$3,249/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,798/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,900
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,399
−HK$1,521/mo
Today · 4.125%
HK$58,920
baseline
▲ 0.50% · 4.625%
HK$62,026
+HK$3,106/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,840/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,604
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,614
−HK$2,041/mo
Today · 4.125%
HK$68,655
baseline
▲ 0.50% · 4.625%
HK$72,833
+HK$4,178/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,310/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,871
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,799
−HK$1,955/mo
Today · 4.125%
HK$75,754
baseline
▲ 0.50% · 4.625%
HK$79,748
+HK$3,994/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,508/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,250 · Scale 2, in force from 26 Feb 2026)