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$35,900
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,016
−HK$1,135/mo
Today · 4.125%
HK$38,151
baseline
▲ 0.50% · 4.625%
HK$40,472
+HK$2,321/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,302/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,938
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,009
−HK$1,087/mo
Today · 4.125%
HK$42,096
baseline
▲ 0.50% · 4.625%
HK$44,315
+HK$2,219/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,192/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,080
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,420
−HK$1,361/mo
Today · 4.125%
HK$45,781
baseline
▲ 0.50% · 4.625%
HK$48,567
+HK$2,786/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,562/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,926
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,211
−HK$1,304/mo
Today · 4.125%
HK$50,515
baseline
▲ 0.50% · 4.625%
HK$53,178
+HK$2,663/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,030/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,260
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,823
−HK$1,588/mo
Today · 4.125%
HK$53,411
baseline
▲ 0.50% · 4.625%
HK$56,661
+HK$3,250/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,822/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,913
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,413
−HK$1,521/mo
Today · 4.125%
HK$58,934
baseline
▲ 0.50% · 4.625%
HK$62,041
+HK$3,107/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,868/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,619
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,629
−HK$2,043/mo
Today · 4.125%
HK$68,672
baseline
▲ 0.50% · 4.625%
HK$72,850
+HK$4,178/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,344/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,888
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,816
−HK$1,956/mo
Today · 4.125%
HK$75,772
baseline
▲ 0.50% · 4.625%
HK$79,766
+HK$3,994/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,544/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,389 · Scale 2, in force from 26 Feb 2026)