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$35,805
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,919
−HK$1,131/mo
Today · 4.125%
HK$38,050
baseline
▲ 0.50% · 4.625%
HK$40,365
+HK$2,315/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,100/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,833
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,901
−HK$1,084/mo
Today · 4.125%
HK$41,985
baseline
▲ 0.50% · 4.625%
HK$44,198
+HK$2,213/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,970/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,966
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,302
−HK$1,358/mo
Today · 4.125%
HK$45,660
baseline
▲ 0.50% · 4.625%
HK$48,438
+HK$2,778/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,320/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,799
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,081
−HK$1,300/mo
Today · 4.125%
HK$50,381
baseline
▲ 0.50% · 4.625%
HK$53,037
+HK$2,656/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,762/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,127
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,686
−HK$1,584/mo
Today · 4.125%
HK$53,270
baseline
▲ 0.50% · 4.625%
HK$56,512
+HK$3,242/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,540/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,766
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,261
−HK$1,517/mo
Today · 4.125%
HK$58,778
baseline
▲ 0.50% · 4.625%
HK$61,877
+HK$3,099/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,556/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,449
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,453
−HK$2,037/mo
Today · 4.125%
HK$68,490
baseline
▲ 0.50% · 4.625%
HK$72,658
+HK$4,168/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,980/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,699
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,621
−HK$1,951/mo
Today · 4.125%
HK$75,572
baseline
▲ 0.50% · 4.625%
HK$79,556
+HK$3,984/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,144/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,830 · Scale 2, in force from 26 Feb 2026)