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$35,878
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,994
−HK$1,134/mo
Today · 4.125%
HK$38,128
baseline
▲ 0.50% · 4.625%
HK$40,448
+HK$2,320/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,256/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,914
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,985
−HK$1,086/mo
Today · 4.125%
HK$42,071
baseline
▲ 0.50% · 4.625%
HK$44,288
+HK$2,217/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,142/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,054
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,393
−HK$1,361/mo
Today · 4.125%
HK$45,754
baseline
▲ 0.50% · 4.625%
HK$48,538
+HK$2,784/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,508/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,897
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,182
−HK$1,303/mo
Today · 4.125%
HK$50,485
baseline
▲ 0.50% · 4.625%
HK$53,146
+HK$2,661/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,970/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,230
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,792
−HK$1,587/mo
Today · 4.125%
HK$53,379
baseline
▲ 0.50% · 4.625%
HK$56,627
+HK$3,248/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,758/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,880
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,379
−HK$1,520/mo
Today · 4.125%
HK$58,899
baseline
▲ 0.50% · 4.625%
HK$62,003
+HK$3,104/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,798/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,581
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,590
−HK$2,041/mo
Today · 4.125%
HK$68,631
baseline
▲ 0.50% · 4.625%
HK$72,807
+HK$4,176/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,262/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,846
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,772
−HK$1,955/mo
Today · 4.125%
HK$75,727
baseline
▲ 0.50% · 4.625%
HK$79,719
+HK$3,992/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,454/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,037 · Scale 2, in force from 26 Feb 2026)