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$35,829
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,943
−HK$1,133/mo
Today · 4.125%
HK$38,076
baseline
▲ 0.50% · 4.625%
HK$40,392
+HK$2,316/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,152/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,859
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,928
−HK$1,085/mo
Today · 4.125%
HK$42,013
baseline
▲ 0.50% · 4.625%
HK$44,227
+HK$2,214/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,026/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,995
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,332
−HK$1,359/mo
Today · 4.125%
HK$45,691
baseline
▲ 0.50% · 4.625%
HK$48,471
+HK$2,780/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,382/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,831
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,114
−HK$1,301/mo
Today · 4.125%
HK$50,415
baseline
▲ 0.50% · 4.625%
HK$53,073
+HK$2,658/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,830/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,160
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,721
−HK$1,585/mo
Today · 4.125%
HK$53,306
baseline
▲ 0.50% · 4.625%
HK$56,549
+HK$3,243/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,612/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,803
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,299
−HK$1,519/mo
Today · 4.125%
HK$58,818
baseline
▲ 0.50% · 4.625%
HK$61,918
+HK$3,100/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,636/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,492
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,498
−HK$2,038/mo
Today · 4.125%
HK$68,536
baseline
▲ 0.50% · 4.625%
HK$72,706
+HK$4,170/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,072/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,746
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,671
−HK$1,952/mo
Today · 4.125%
HK$75,623
baseline
▲ 0.50% · 4.625%
HK$79,609
+HK$3,986/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,246/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,223 · Scale 2, in force from 26 Feb 2026)