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$35,815
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,929
−HK$1,132/mo
Today · 4.125%
HK$38,061
baseline
▲ 0.50% · 4.625%
HK$40,377
+HK$2,316/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,122/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,844
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,912
−HK$1,084/mo
Today · 4.125%
HK$41,996
baseline
▲ 0.50% · 4.625%
HK$44,210
+HK$2,214/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,992/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,978
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,315
−HK$1,358/mo
Today · 4.125%
HK$45,673
baseline
▲ 0.50% · 4.625%
HK$48,452
+HK$2,779/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,346/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,812
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,095
−HK$1,300/mo
Today · 4.125%
HK$50,395
baseline
▲ 0.50% · 4.625%
HK$53,052
+HK$2,657/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,790/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,141
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,700
−HK$1,585/mo
Today · 4.125%
HK$53,285
baseline
▲ 0.50% · 4.625%
HK$56,527
+HK$3,242/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,570/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,781
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,277
−HK$1,518/mo
Today · 4.125%
HK$58,795
baseline
▲ 0.50% · 4.625%
HK$61,894
+HK$3,099/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,590/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,467
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,472
−HK$2,037/mo
Today · 4.125%
HK$68,509
baseline
▲ 0.50% · 4.625%
HK$72,678
+HK$4,169/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,018/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,718
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,642
−HK$1,951/mo
Today · 4.125%
HK$75,593
baseline
▲ 0.50% · 4.625%
HK$79,578
+HK$3,985/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,186/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,993 · Scale 2, in force from 26 Feb 2026)