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$35,875
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,991
−HK$1,134/mo
Today · 4.125%
HK$38,125
baseline
▲ 0.50% · 4.625%
HK$40,445
+HK$2,320/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,250/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$589,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,911
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,981
−HK$1,086/mo
Today · 4.125%
HK$42,067
baseline
▲ 0.50% · 4.625%
HK$44,284
+HK$2,217/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,134/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$589,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,050
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,389
−HK$1,361/mo
Today · 4.125%
HK$45,750
baseline
▲ 0.50% · 4.625%
HK$48,533
+HK$2,783/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,500/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,893
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,177
−HK$1,303/mo
Today · 4.125%
HK$50,480
baseline
▲ 0.50% · 4.625%
HK$53,141
+HK$2,661/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,960/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,225
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,787
−HK$1,588/mo
Today · 4.125%
HK$53,375
baseline
▲ 0.50% · 4.625%
HK$56,622
+HK$3,247/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,750/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,875
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,373
−HK$1,521/mo
Today · 4.125%
HK$58,894
baseline
▲ 0.50% · 4.625%
HK$61,998
+HK$3,104/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,788/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,575
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,584
−HK$2,040/mo
Today · 4.125%
HK$68,624
baseline
▲ 0.50% · 4.625%
HK$72,800
+HK$4,176/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,248/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,839
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,766
−HK$1,954/mo
Today · 4.125%
HK$75,720
baseline
▲ 0.50% · 4.625%
HK$79,712
+HK$3,992/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,440/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,984 · Scale 2, in force from 26 Feb 2026)