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$35,896
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,012
−HK$1,135/mo
Today · 4.125%
HK$38,147
baseline
▲ 0.50% · 4.625%
HK$40,468
+HK$2,321/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,294/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,934
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,005
−HK$1,086/mo
Today · 4.125%
HK$42,091
baseline
▲ 0.50% · 4.625%
HK$44,310
+HK$2,219/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,182/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,075
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,415
−HK$1,361/mo
Today · 4.125%
HK$45,776
baseline
▲ 0.50% · 4.625%
HK$48,562
+HK$2,786/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,552/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,921
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,206
−HK$1,304/mo
Today · 4.125%
HK$50,510
baseline
▲ 0.50% · 4.625%
HK$53,172
+HK$2,662/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,020/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,254
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,817
−HK$1,589/mo
Today · 4.125%
HK$53,406
baseline
▲ 0.50% · 4.625%
HK$56,655
+HK$3,249/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,812/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,907
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,407
−HK$1,521/mo
Today · 4.125%
HK$58,928
baseline
▲ 0.50% · 4.625%
HK$62,034
+HK$3,106/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,856/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,613
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,622
−HK$2,042/mo
Today · 4.125%
HK$68,664
baseline
▲ 0.50% · 4.625%
HK$72,842
+HK$4,178/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,328/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,881
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,809
−HK$1,955/mo
Today · 4.125%
HK$75,764
baseline
▲ 0.50% · 4.625%
HK$79,758
+HK$3,994/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,528/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,327 · Scale 2, in force from 26 Feb 2026)