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$35,787
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,900
−HK$1,131/mo
Today · 4.125%
HK$38,031
baseline
▲ 0.50% · 4.625%
HK$40,345
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,062/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,813
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,880
−HK$1,084/mo
Today · 4.125%
HK$41,964
baseline
▲ 0.50% · 4.625%
HK$44,175
+HK$2,211/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,928/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,944
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,280
−HK$1,357/mo
Today · 4.125%
HK$45,637
baseline
▲ 0.50% · 4.625%
HK$48,414
+HK$2,777/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,274/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,775
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,056
−HK$1,300/mo
Today · 4.125%
HK$50,356
baseline
▲ 0.50% · 4.625%
HK$53,011
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,712/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,102
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,660
−HK$1,584/mo
Today · 4.125%
HK$53,244
baseline
▲ 0.50% · 4.625%
HK$56,483
+HK$3,239/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,488/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,738
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,232
−HK$1,517/mo
Today · 4.125%
HK$58,749
baseline
▲ 0.50% · 4.625%
HK$61,846
+HK$3,097/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,498/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,416
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,420
−HK$2,036/mo
Today · 4.125%
HK$68,456
baseline
▲ 0.50% · 4.625%
HK$72,621
+HK$4,165/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,912/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,663
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,585
−HK$1,949/mo
Today · 4.125%
HK$75,534
baseline
▲ 0.50% · 4.625%
HK$79,516
+HK$3,982/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,068/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,535 · Scale 2, in force from 26 Feb 2026)