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$35,793
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,907
−HK$1,131/mo
Today · 4.125%
HK$38,038
baseline
▲ 0.50% · 4.625%
HK$40,352
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,076/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,820
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,888
−HK$1,083/mo
Today · 4.125%
HK$41,971
baseline
▲ 0.50% · 4.625%
HK$44,183
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,942/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,952
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,288
−HK$1,357/mo
Today · 4.125%
HK$45,645
baseline
▲ 0.50% · 4.625%
HK$48,423
+HK$2,778/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,290/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,784
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,065
−HK$1,300/mo
Today · 4.125%
HK$50,365
baseline
▲ 0.50% · 4.625%
HK$53,020
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,730/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,111
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,669
−HK$1,584/mo
Today · 4.125%
HK$53,253
baseline
▲ 0.50% · 4.625%
HK$56,493
+HK$3,240/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,506/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,748
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,243
−HK$1,516/mo
Today · 4.125%
HK$58,759
baseline
▲ 0.50% · 4.625%
HK$61,857
+HK$3,098/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,518/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,428
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,432
−HK$2,036/mo
Today · 4.125%
HK$68,468
baseline
▲ 0.50% · 4.625%
HK$72,634
+HK$4,166/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,936/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,675
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,598
−HK$1,950/mo
Today · 4.125%
HK$75,548
baseline
▲ 0.50% · 4.625%
HK$79,530
+HK$3,982/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,096/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,639 · Scale 2, in force from 26 Feb 2026)