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$35,819
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,933
−HK$1,132/mo
Today · 4.125%
HK$38,065
baseline
▲ 0.50% · 4.625%
HK$40,381
+HK$2,316/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,130/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,848
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,917
−HK$1,084/mo
Today · 4.125%
HK$42,001
baseline
▲ 0.50% · 4.625%
HK$44,215
+HK$2,214/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$84,002/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,983
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,320
−HK$1,358/mo
Today · 4.125%
HK$45,678
baseline
▲ 0.50% · 4.625%
HK$48,458
+HK$2,780/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$91,356/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,818
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,100
−HK$1,301/mo
Today · 4.125%
HK$50,401
baseline
▲ 0.50% · 4.625%
HK$53,058
+HK$2,657/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$100,802/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,147
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,707
−HK$1,584/mo
Today · 4.125%
HK$53,291
baseline
▲ 0.50% · 4.625%
HK$56,534
+HK$3,243/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,582/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,788
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,284
−HK$1,518/mo
Today · 4.125%
HK$58,802
baseline
▲ 0.50% · 4.625%
HK$61,901
+HK$3,099/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,604/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,474
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,480
−HK$2,037/mo
Today · 4.125%
HK$68,517
baseline
▲ 0.50% · 4.625%
HK$72,687
+HK$4,170/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,034/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,727
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,651
−HK$1,951/mo
Today · 4.125%
HK$75,602
baseline
▲ 0.50% · 4.625%
HK$79,587
+HK$3,985/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,204/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,064 · Scale 2, in force from 26 Feb 2026)