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$35,909
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,026
−HK$1,135/mo
Today · 4.125%
HK$38,161
baseline
▲ 0.50% · 4.625%
HK$40,483
+HK$2,322/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,322/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,949
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,020
−HK$1,087/mo
Today · 4.125%
HK$42,107
baseline
▲ 0.50% · 4.625%
HK$44,327
+HK$2,220/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,214/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,091
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,432
−HK$1,361/mo
Today · 4.125%
HK$45,793
baseline
▲ 0.50% · 4.625%
HK$48,580
+HK$2,787/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,586/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,939
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,224
−HK$1,305/mo
Today · 4.125%
HK$50,529
baseline
▲ 0.50% · 4.625%
HK$53,192
+HK$2,663/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,058/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,273
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,837
−HK$1,589/mo
Today · 4.125%
HK$53,426
baseline
▲ 0.50% · 4.625%
HK$56,677
+HK$3,251/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,852/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,928
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,428
−HK$1,522/mo
Today · 4.125%
HK$58,950
baseline
▲ 0.50% · 4.625%
HK$62,057
+HK$3,107/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,900/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,637
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,647
−HK$2,043/mo
Today · 4.125%
HK$68,690
baseline
▲ 0.50% · 4.625%
HK$72,870
+HK$4,180/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,380/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,908
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,836
−HK$1,957/mo
Today · 4.125%
HK$75,793
baseline
▲ 0.50% · 4.625%
HK$79,788
+HK$3,995/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,586/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,549 · Scale 2, in force from 26 Feb 2026)