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$35,874
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,990
−HK$1,134/mo
Today · 4.125%
HK$38,124
baseline
▲ 0.50% · 4.625%
HK$40,443
+HK$2,319/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,248/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$589,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,909
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,980
−HK$1,086/mo
Today · 4.125%
HK$42,066
baseline
▲ 0.50% · 4.625%
HK$44,283
+HK$2,217/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,132/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$589,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,049
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,388
−HK$1,360/mo
Today · 4.125%
HK$45,748
baseline
▲ 0.50% · 4.625%
HK$48,532
+HK$2,784/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,496/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,891
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,176
−HK$1,303/mo
Today · 4.125%
HK$50,479
baseline
▲ 0.50% · 4.625%
HK$53,140
+HK$2,661/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,958/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,224
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,786
−HK$1,587/mo
Today · 4.125%
HK$53,373
baseline
▲ 0.50% · 4.625%
HK$56,621
+HK$3,248/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,746/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,873
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,372
−HK$1,520/mo
Today · 4.125%
HK$58,892
baseline
▲ 0.50% · 4.625%
HK$61,996
+HK$3,104/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,784/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,573
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,582
−HK$2,040/mo
Today · 4.125%
HK$68,622
baseline
▲ 0.50% · 4.625%
HK$72,798
+HK$4,176/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,244/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,837
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,764
−HK$1,954/mo
Today · 4.125%
HK$75,718
baseline
▲ 0.50% · 4.625%
HK$79,709
+HK$3,991/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,436/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,967 · Scale 2, in force from 26 Feb 2026)