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$35,855
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,970
−HK$1,133/mo
Today · 4.125%
HK$38,103
baseline
▲ 0.50% · 4.625%
HK$40,422
+HK$2,319/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,206/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,888
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,958
−HK$1,085/mo
Today · 4.125%
HK$42,043
baseline
▲ 0.50% · 4.625%
HK$44,260
+HK$2,217/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,086/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,026
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,364
−HK$1,360/mo
Today · 4.125%
HK$45,724
baseline
▲ 0.50% · 4.625%
HK$48,506
+HK$2,782/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,448/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,866
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,150
−HK$1,302/mo
Today · 4.125%
HK$50,452
baseline
▲ 0.50% · 4.625%
HK$53,112
+HK$2,660/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,904/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,197
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,758
−HK$1,587/mo
Today · 4.125%
HK$53,345
baseline
▲ 0.50% · 4.625%
HK$56,591
+HK$3,246/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,690/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,844
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,341
−HK$1,520/mo
Today · 4.125%
HK$58,861
baseline
▲ 0.50% · 4.625%
HK$61,963
+HK$3,102/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,722/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,539
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,547
−HK$2,039/mo
Today · 4.125%
HK$68,586
baseline
▲ 0.50% · 4.625%
HK$72,760
+HK$4,174/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,172/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,799
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,725
−HK$1,953/mo
Today · 4.125%
HK$75,678
baseline
▲ 0.50% · 4.625%
HK$79,667
+HK$3,989/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,356/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,656 · Scale 2, in force from 26 Feb 2026)