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$35,816
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,930
−HK$1,131/mo
Today · 4.125%
HK$38,061
baseline
▲ 0.50% · 4.625%
HK$40,377
+HK$2,316/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,122/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,844
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,913
−HK$1,084/mo
Today · 4.125%
HK$41,997
baseline
▲ 0.50% · 4.625%
HK$44,211
+HK$2,214/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,994/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,979
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,316
−HK$1,358/mo
Today · 4.125%
HK$45,674
baseline
▲ 0.50% · 4.625%
HK$48,453
+HK$2,779/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,348/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,813
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,096
−HK$1,301/mo
Today · 4.125%
HK$50,397
baseline
▲ 0.50% · 4.625%
HK$53,053
+HK$2,656/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,794/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,142
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,701
−HK$1,585/mo
Today · 4.125%
HK$53,286
baseline
▲ 0.50% · 4.625%
HK$56,528
+HK$3,242/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,572/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,782
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,278
−HK$1,518/mo
Today · 4.125%
HK$58,796
baseline
▲ 0.50% · 4.625%
HK$61,895
+HK$3,099/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,592/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,468
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,473
−HK$2,038/mo
Today · 4.125%
HK$68,511
baseline
▲ 0.50% · 4.625%
HK$72,679
+HK$4,168/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,022/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,720
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,643
−HK$1,952/mo
Today · 4.125%
HK$75,595
baseline
▲ 0.50% · 4.625%
HK$79,579
+HK$3,984/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,190/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,006 · Scale 2, in force from 26 Feb 2026)