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$35,884
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,000
−HK$1,134/mo
Today · 4.125%
HK$38,134
baseline
▲ 0.50% · 4.625%
HK$40,454
+HK$2,320/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,268/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,920
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,991
−HK$1,086/mo
Today · 4.125%
HK$42,077
baseline
▲ 0.50% · 4.625%
HK$44,295
+HK$2,218/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,154/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,060
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,400
−HK$1,360/mo
Today · 4.125%
HK$45,760
baseline
▲ 0.50% · 4.625%
HK$48,545
+HK$2,785/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,520/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,904
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,189
−HK$1,303/mo
Today · 4.125%
HK$50,492
baseline
▲ 0.50% · 4.625%
HK$53,154
+HK$2,662/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,984/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,237
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,800
−HK$1,587/mo
Today · 4.125%
HK$53,387
baseline
▲ 0.50% · 4.625%
HK$56,636
+HK$3,249/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,774/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,888
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,387
−HK$1,521/mo
Today · 4.125%
HK$58,908
baseline
▲ 0.50% · 4.625%
HK$62,013
+HK$3,105/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,816/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,590
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,599
−HK$2,042/mo
Today · 4.125%
HK$68,641
baseline
▲ 0.50% · 4.625%
HK$72,817
+HK$4,176/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,282/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,856
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,783
−HK$1,955/mo
Today · 4.125%
HK$75,738
baseline
▲ 0.50% · 4.625%
HK$79,731
+HK$3,993/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,476/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,124 · Scale 2, in force from 26 Feb 2026)