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$35,832
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,947
−HK$1,132/mo
Today · 4.125%
HK$38,079
baseline
▲ 0.50% · 4.625%
HK$40,396
+HK$2,317/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,158/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,863
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,932
−HK$1,085/mo
Today · 4.125%
HK$42,017
baseline
▲ 0.50% · 4.625%
HK$44,231
+HK$2,214/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,034/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,999
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,336
−HK$1,359/mo
Today · 4.125%
HK$45,695
baseline
▲ 0.50% · 4.625%
HK$48,475
+HK$2,780/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,390/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,836
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,118
−HK$1,302/mo
Today · 4.125%
HK$50,420
baseline
▲ 0.50% · 4.625%
HK$53,078
+HK$2,658/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,840/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,165
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,725
−HK$1,586/mo
Today · 4.125%
HK$53,311
baseline
▲ 0.50% · 4.625%
HK$56,555
+HK$3,244/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,622/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,808
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,305
−HK$1,518/mo
Today · 4.125%
HK$58,823
baseline
▲ 0.50% · 4.625%
HK$61,924
+HK$3,101/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,646/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,498
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,504
−HK$2,038/mo
Today · 4.125%
HK$68,542
baseline
▲ 0.50% · 4.625%
HK$72,713
+HK$4,171/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,084/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,753
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,678
−HK$1,952/mo
Today · 4.125%
HK$75,630
baseline
▲ 0.50% · 4.625%
HK$79,616
+HK$3,986/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,260/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,279 · Scale 2, in force from 26 Feb 2026)