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$35,884
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,001
−HK$1,134/mo
Today · 4.125%
HK$38,135
baseline
▲ 0.50% · 4.625%
HK$40,455
+HK$2,320/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,270/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,921
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,992
−HK$1,086/mo
Today · 4.125%
HK$42,078
baseline
▲ 0.50% · 4.625%
HK$44,296
+HK$2,218/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,156/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,061
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,401
−HK$1,361/mo
Today · 4.125%
HK$45,762
baseline
▲ 0.50% · 4.625%
HK$48,546
+HK$2,784/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,524/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,905
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,190
−HK$1,303/mo
Today · 4.125%
HK$50,493
baseline
▲ 0.50% · 4.625%
HK$53,155
+HK$2,662/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,986/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,238
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,801
−HK$1,587/mo
Today · 4.125%
HK$53,388
baseline
▲ 0.50% · 4.625%
HK$56,637
+HK$3,249/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,776/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,889
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,388
−HK$1,521/mo
Today · 4.125%
HK$58,909
baseline
▲ 0.50% · 4.625%
HK$62,014
+HK$3,105/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,818/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,592
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,601
−HK$2,041/mo
Today · 4.125%
HK$68,642
baseline
▲ 0.50% · 4.625%
HK$72,819
+HK$4,177/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,284/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,858
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,785
−HK$1,955/mo
Today · 4.125%
HK$75,740
baseline
▲ 0.50% · 4.625%
HK$79,732
+HK$3,992/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,480/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,137 · Scale 2, in force from 26 Feb 2026)