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$35,818
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,932
−HK$1,132/mo
Today · 4.125%
HK$38,064
baseline
▲ 0.50% · 4.625%
HK$40,380
+HK$2,316/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,128/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,847
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,915
−HK$1,085/mo
Today · 4.125%
HK$42,000
baseline
▲ 0.50% · 4.625%
HK$44,213
+HK$2,213/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$84,000/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,981
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,318
−HK$1,359/mo
Today · 4.125%
HK$45,677
baseline
▲ 0.50% · 4.625%
HK$48,456
+HK$2,779/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,354/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,816
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,099
−HK$1,301/mo
Today · 4.125%
HK$50,400
baseline
▲ 0.50% · 4.625%
HK$53,056
+HK$2,656/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,800/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,145
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,705
−HK$1,584/mo
Today · 4.125%
HK$53,289
baseline
▲ 0.50% · 4.625%
HK$56,532
+HK$3,243/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,578/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,786
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,282
−HK$1,517/mo
Today · 4.125%
HK$58,799
baseline
▲ 0.50% · 4.625%
HK$61,899
+HK$3,100/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,598/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,472
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,477
−HK$2,038/mo
Today · 4.125%
HK$68,515
baseline
▲ 0.50% · 4.625%
HK$72,684
+HK$4,169/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,030/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,724
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,648
−HK$1,951/mo
Today · 4.125%
HK$75,599
baseline
▲ 0.50% · 4.625%
HK$79,584
+HK$3,985/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,198/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,041 · Scale 2, in force from 26 Feb 2026)