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$35,814
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,928
−HK$1,132/mo
Today · 4.125%
HK$38,060
baseline
▲ 0.50% · 4.625%
HK$40,376
+HK$2,316/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,120/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,843
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,911
−HK$1,084/mo
Today · 4.125%
HK$41,995
baseline
▲ 0.50% · 4.625%
HK$44,209
+HK$2,214/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,990/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,977
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,314
−HK$1,358/mo
Today · 4.125%
HK$45,672
baseline
▲ 0.50% · 4.625%
HK$48,451
+HK$2,779/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,344/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,811
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,093
−HK$1,301/mo
Today · 4.125%
HK$50,394
baseline
▲ 0.50% · 4.625%
HK$53,051
+HK$2,657/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,788/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,140
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,699
−HK$1,585/mo
Today · 4.125%
HK$53,284
baseline
▲ 0.50% · 4.625%
HK$56,526
+HK$3,242/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,568/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,780
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,276
−HK$1,517/mo
Today · 4.125%
HK$58,793
baseline
▲ 0.50% · 4.625%
HK$61,892
+HK$3,099/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,586/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,465
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,470
−HK$2,038/mo
Today · 4.125%
HK$68,508
baseline
▲ 0.50% · 4.625%
HK$72,676
+HK$4,168/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,016/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,717
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,640
−HK$1,951/mo
Today · 4.125%
HK$75,591
baseline
▲ 0.50% · 4.625%
HK$79,576
+HK$3,985/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,182/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,979 · Scale 2, in force from 26 Feb 2026)