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$35,860
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,976
−HK$1,133/mo
Today · 4.125%
HK$38,109
baseline
▲ 0.50% · 4.625%
HK$40,428
+HK$2,319/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,218/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,894
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,964
−HK$1,085/mo
Today · 4.125%
HK$42,049
baseline
▲ 0.50% · 4.625%
HK$44,266
+HK$2,217/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,098/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,032
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,371
−HK$1,360/mo
Today · 4.125%
HK$45,731
baseline
▲ 0.50% · 4.625%
HK$48,513
+HK$2,782/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,462/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,873
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,157
−HK$1,302/mo
Today · 4.125%
HK$50,459
baseline
▲ 0.50% · 4.625%
HK$53,119
+HK$2,660/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,918/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,204
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,766
−HK$1,587/mo
Today · 4.125%
HK$53,353
baseline
▲ 0.50% · 4.625%
HK$56,599
+HK$3,246/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,706/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,852
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,350
−HK$1,519/mo
Today · 4.125%
HK$58,869
baseline
▲ 0.50% · 4.625%
HK$61,972
+HK$3,103/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,738/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,548
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,556
−HK$2,040/mo
Today · 4.125%
HK$68,596
baseline
▲ 0.50% · 4.625%
HK$72,770
+HK$4,174/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,192/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,809
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,735
−HK$1,954/mo
Today · 4.125%
HK$75,689
baseline
▲ 0.50% · 4.625%
HK$79,679
+HK$3,990/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,378/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,740 · Scale 2, in force from 26 Feb 2026)