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$35,822
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,936
−HK$1,132/mo
Today · 4.125%
HK$38,068
baseline
▲ 0.50% · 4.625%
HK$40,385
+HK$2,317/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,136/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,851
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,920
−HK$1,085/mo
Today · 4.125%
HK$42,005
baseline
▲ 0.50% · 4.625%
HK$44,219
+HK$2,214/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$84,010/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,986
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,323
−HK$1,359/mo
Today · 4.125%
HK$45,682
baseline
▲ 0.50% · 4.625%
HK$48,462
+HK$2,780/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$91,364/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,822
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,104
−HK$1,301/mo
Today · 4.125%
HK$50,405
baseline
▲ 0.50% · 4.625%
HK$53,062
+HK$2,657/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$100,810/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,151
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,711
−HK$1,585/mo
Today · 4.125%
HK$53,296
baseline
▲ 0.50% · 4.625%
HK$56,538
+HK$3,242/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,592/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,792
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,288
−HK$1,518/mo
Today · 4.125%
HK$58,806
baseline
▲ 0.50% · 4.625%
HK$61,906
+HK$3,100/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,612/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,479
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,485
−HK$2,038/mo
Today · 4.125%
HK$68,523
baseline
▲ 0.50% · 4.625%
HK$72,692
+HK$4,169/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,046/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,733
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,657
−HK$1,951/mo
Today · 4.125%
HK$75,608
baseline
▲ 0.50% · 4.625%
HK$79,594
+HK$3,986/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,216/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,110 · Scale 2, in force from 26 Feb 2026)