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$35,812
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,926
−HK$1,132/mo
Today · 4.125%
HK$38,058
baseline
▲ 0.50% · 4.625%
HK$40,373
+HK$2,315/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,116/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,840
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,909
−HK$1,084/mo
Today · 4.125%
HK$41,993
baseline
▲ 0.50% · 4.625%
HK$44,206
+HK$2,213/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,986/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,974
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,311
−HK$1,358/mo
Today · 4.125%
HK$45,669
baseline
▲ 0.50% · 4.625%
HK$48,448
+HK$2,779/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,338/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,808
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,091
−HK$1,300/mo
Today · 4.125%
HK$50,391
baseline
▲ 0.50% · 4.625%
HK$53,047
+HK$2,656/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,782/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,137
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,696
−HK$1,585/mo
Today · 4.125%
HK$53,281
baseline
▲ 0.50% · 4.625%
HK$56,523
+HK$3,242/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,562/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,776
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,272
−HK$1,518/mo
Today · 4.125%
HK$58,790
baseline
▲ 0.50% · 4.625%
HK$61,889
+HK$3,099/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,580/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,461
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,466
−HK$2,038/mo
Today · 4.125%
HK$68,504
baseline
▲ 0.50% · 4.625%
HK$72,672
+HK$4,168/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$137,008/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,713
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,636
−HK$1,951/mo
Today · 4.125%
HK$75,587
baseline
▲ 0.50% · 4.625%
HK$79,571
+HK$3,984/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,174/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,945 · Scale 2, in force from 26 Feb 2026)