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$35,831
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,945
−HK$1,132/mo
Today · 4.125%
HK$38,077
baseline
▲ 0.50% · 4.625%
HK$40,394
+HK$2,317/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,154/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,861
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,930
−HK$1,085/mo
Today · 4.125%
HK$42,015
baseline
▲ 0.50% · 4.625%
HK$44,229
+HK$2,214/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,030/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,997
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,334
−HK$1,359/mo
Today · 4.125%
HK$45,693
baseline
▲ 0.50% · 4.625%
HK$48,473
+HK$2,780/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,386/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,833
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,116
−HK$1,302/mo
Today · 4.125%
HK$50,418
baseline
▲ 0.50% · 4.625%
HK$53,075
+HK$2,657/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,836/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,163
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,723
−HK$1,585/mo
Today · 4.125%
HK$53,308
baseline
▲ 0.50% · 4.625%
HK$56,552
+HK$3,244/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,616/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,806
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,302
−HK$1,519/mo
Today · 4.125%
HK$58,821
baseline
▲ 0.50% · 4.625%
HK$61,921
+HK$3,100/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,642/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,495
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,501
−HK$2,038/mo
Today · 4.125%
HK$68,539
baseline
▲ 0.50% · 4.625%
HK$72,710
+HK$4,171/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,078/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,750
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,674
−HK$1,952/mo
Today · 4.125%
HK$75,626
baseline
▲ 0.50% · 4.625%
HK$79,613
+HK$3,987/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,252/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,253 · Scale 2, in force from 26 Feb 2026)