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$35,825
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,940
−HK$1,132/mo
Today · 4.125%
HK$38,072
baseline
▲ 0.50% · 4.625%
HK$40,389
+HK$2,317/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,144/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,855
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,924
−HK$1,085/mo
Today · 4.125%
HK$42,009
baseline
▲ 0.50% · 4.625%
HK$44,223
+HK$2,214/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,018/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,991
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,328
−HK$1,358/mo
Today · 4.125%
HK$45,686
baseline
▲ 0.50% · 4.625%
HK$48,466
+HK$2,780/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$91,372/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,827
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,109
−HK$1,301/mo
Today · 4.125%
HK$50,410
baseline
▲ 0.50% · 4.625%
HK$53,068
+HK$2,658/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$100,820/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,156
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,716
−HK$1,585/mo
Today · 4.125%
HK$53,301
baseline
▲ 0.50% · 4.625%
HK$56,544
+HK$3,243/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,602/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,798
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,294
−HK$1,518/mo
Today · 4.125%
HK$58,812
baseline
▲ 0.50% · 4.625%
HK$61,912
+HK$3,100/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,624/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,486
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,492
−HK$2,038/mo
Today · 4.125%
HK$68,530
baseline
▲ 0.50% · 4.625%
HK$72,699
+HK$4,169/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,060/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,740
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,664
−HK$1,952/mo
Today · 4.125%
HK$75,616
baseline
▲ 0.50% · 4.625%
HK$79,601
+HK$3,985/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,232/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,168 · Scale 2, in force from 26 Feb 2026)