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$35,788
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,902
−HK$1,131/mo
Today · 4.125%
HK$38,033
baseline
▲ 0.50% · 4.625%
HK$40,347
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,066/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,814
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,882
−HK$1,083/mo
Today · 4.125%
HK$41,965
baseline
▲ 0.50% · 4.625%
HK$44,177
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,930/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,946
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,282
−HK$1,357/mo
Today · 4.125%
HK$45,639
baseline
▲ 0.50% · 4.625%
HK$48,416
+HK$2,777/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,278/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,777
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,058
−HK$1,300/mo
Today · 4.125%
HK$50,358
baseline
▲ 0.50% · 4.625%
HK$53,013
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,716/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,104
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,662
−HK$1,584/mo
Today · 4.125%
HK$53,246
baseline
▲ 0.50% · 4.625%
HK$56,486
+HK$3,240/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,492/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,740
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,235
−HK$1,516/mo
Today · 4.125%
HK$58,751
baseline
▲ 0.50% · 4.625%
HK$61,848
+HK$3,097/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,502/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,419
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,423
−HK$2,036/mo
Today · 4.125%
HK$68,459
baseline
▲ 0.50% · 4.625%
HK$72,624
+HK$4,165/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,918/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,666
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,588
−HK$1,949/mo
Today · 4.125%
HK$75,537
baseline
▲ 0.50% · 4.625%
HK$79,519
+HK$3,982/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,074/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,558 · Scale 2, in force from 26 Feb 2026)