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$35,902
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,019
−HK$1,135/mo
Today · 4.125%
HK$38,154
baseline
▲ 0.50% · 4.625%
HK$40,475
+HK$2,321/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,308/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,941
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,012
−HK$1,087/mo
Today · 4.125%
HK$42,099
baseline
▲ 0.50% · 4.625%
HK$44,318
+HK$2,219/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,198/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,083
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,423
−HK$1,362/mo
Today · 4.125%
HK$45,785
baseline
▲ 0.50% · 4.625%
HK$48,571
+HK$2,786/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,570/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,929
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,215
−HK$1,304/mo
Today · 4.125%
HK$50,519
baseline
▲ 0.50% · 4.625%
HK$53,182
+HK$2,663/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,038/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,263
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,827
−HK$1,588/mo
Today · 4.125%
HK$53,415
baseline
▲ 0.50% · 4.625%
HK$56,666
+HK$3,251/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,830/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,918
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,417
−HK$1,522/mo
Today · 4.125%
HK$58,939
baseline
▲ 0.50% · 4.625%
HK$62,045
+HK$3,106/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,878/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,624
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,635
−HK$2,042/mo
Today · 4.125%
HK$68,677
baseline
▲ 0.50% · 4.625%
HK$72,856
+HK$4,179/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,354/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,894
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,822
−HK$1,956/mo
Today · 4.125%
HK$75,778
baseline
▲ 0.50% · 4.625%
HK$79,773
+HK$3,995/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,556/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,435 · Scale 2, in force from 26 Feb 2026)