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$35,780
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,893
−HK$1,131/mo
Today · 4.125%
HK$38,024
baseline
▲ 0.50% · 4.625%
HK$40,338
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,048/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,805
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,873
−HK$1,083/mo
Today · 4.125%
HK$41,956
baseline
▲ 0.50% · 4.625%
HK$44,167
+HK$2,211/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,912/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,936
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,272
−HK$1,357/mo
Today · 4.125%
HK$45,629
baseline
▲ 0.50% · 4.625%
HK$48,405
+HK$2,776/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$91,258/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,766
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,047
−HK$1,300/mo
Today · 4.125%
HK$50,347
baseline
▲ 0.50% · 4.625%
HK$53,001
+HK$2,654/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$100,694/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,092
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,651
−HK$1,583/mo
Today · 4.125%
HK$53,234
baseline
▲ 0.50% · 4.625%
HK$56,473
+HK$3,239/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,468/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,727
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,222
−HK$1,516/mo
Today · 4.125%
HK$58,738
baseline
▲ 0.50% · 4.625%
HK$61,834
+HK$3,096/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,476/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,405
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,408
−HK$2,035/mo
Today · 4.125%
HK$68,443
baseline
▲ 0.50% · 4.625%
HK$72,608
+HK$4,165/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,886/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,649
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,571
−HK$1,949/mo
Today · 4.125%
HK$75,520
baseline
▲ 0.50% · 4.625%
HK$79,501
+HK$3,981/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,040/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,427 · Scale 2, in force from 26 Feb 2026)