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$35,850
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,965
−HK$1,133/mo
Today · 4.125%
HK$38,098
baseline
▲ 0.50% · 4.625%
HK$40,416
+HK$2,318/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,196/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,882
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,952
−HK$1,085/mo
Today · 4.125%
HK$42,037
baseline
▲ 0.50% · 4.625%
HK$44,253
+HK$2,216/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,074/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,019
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,358
−HK$1,359/mo
Today · 4.125%
HK$45,717
baseline
▲ 0.50% · 4.625%
HK$48,499
+HK$2,782/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,434/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,859
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,142
−HK$1,302/mo
Today · 4.125%
HK$50,444
baseline
▲ 0.50% · 4.625%
HK$53,103
+HK$2,659/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,888/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,189
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,751
−HK$1,586/mo
Today · 4.125%
HK$53,337
baseline
▲ 0.50% · 4.625%
HK$56,582
+HK$3,245/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,674/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,835
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,333
−HK$1,519/mo
Today · 4.125%
HK$58,852
baseline
▲ 0.50% · 4.625%
HK$61,954
+HK$3,102/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,704/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,529
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,536
−HK$2,040/mo
Today · 4.125%
HK$68,576
baseline
▲ 0.50% · 4.625%
HK$72,748
+HK$4,172/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,152/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,788
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,713
−HK$1,954/mo
Today · 4.125%
HK$75,667
baseline
▲ 0.50% · 4.625%
HK$79,655
+HK$3,988/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,334/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,565 · Scale 2, in force from 26 Feb 2026)