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$35,911
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,028
−HK$1,135/mo
Today · 4.125%
HK$38,163
baseline
▲ 0.50% · 4.625%
HK$40,486
+HK$2,323/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,326/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,951
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,023
−HK$1,087/mo
Today · 4.125%
HK$42,110
baseline
▲ 0.50% · 4.625%
HK$44,329
+HK$2,219/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,220/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,094
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,434
−HK$1,362/mo
Today · 4.125%
HK$45,796
baseline
▲ 0.50% · 4.625%
HK$48,583
+HK$2,787/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,592/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,941
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,227
−HK$1,304/mo
Today · 4.125%
HK$50,531
baseline
▲ 0.50% · 4.625%
HK$53,195
+HK$2,664/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,062/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,276
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,840
−HK$1,589/mo
Today · 4.125%
HK$53,429
baseline
▲ 0.50% · 4.625%
HK$56,680
+HK$3,251/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,858/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,932
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,432
−HK$1,521/mo
Today · 4.125%
HK$58,953
baseline
▲ 0.50% · 4.625%
HK$62,061
+HK$3,108/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,906/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,641
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,651
−HK$2,043/mo
Today · 4.125%
HK$68,694
baseline
▲ 0.50% · 4.625%
HK$72,874
+HK$4,180/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,388/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,912
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,841
−HK$1,956/mo
Today · 4.125%
HK$75,797
baseline
▲ 0.50% · 4.625%
HK$79,793
+HK$3,996/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,594/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,582 · Scale 2, in force from 26 Feb 2026)