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$35,790
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,903
−HK$1,131/mo
Today · 4.125%
HK$38,034
baseline
▲ 0.50% · 4.625%
HK$40,348
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,068/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,816
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,883
−HK$1,084/mo
Today · 4.125%
HK$41,967
baseline
▲ 0.50% · 4.625%
HK$44,179
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,934/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,948
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,283
−HK$1,358/mo
Today · 4.125%
HK$45,641
baseline
▲ 0.50% · 4.625%
HK$48,418
+HK$2,777/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,282/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,779
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,060
−HK$1,300/mo
Today · 4.125%
HK$50,360
baseline
▲ 0.50% · 4.625%
HK$53,015
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,720/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,105
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,664
−HK$1,584/mo
Today · 4.125%
HK$53,248
baseline
▲ 0.50% · 4.625%
HK$56,488
+HK$3,240/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,496/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,742
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,237
−HK$1,516/mo
Today · 4.125%
HK$58,753
baseline
▲ 0.50% · 4.625%
HK$61,850
+HK$3,097/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,506/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,421
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,425
−HK$2,036/mo
Today · 4.125%
HK$68,461
baseline
▲ 0.50% · 4.625%
HK$72,627
+HK$4,166/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,922/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,668
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,590
−HK$1,950/mo
Today · 4.125%
HK$75,540
baseline
▲ 0.50% · 4.625%
HK$79,522
+HK$3,982/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,080/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,580 · Scale 2, in force from 26 Feb 2026)