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$35,791
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,904
−HK$1,131/mo
Today · 4.125%
HK$38,035
baseline
▲ 0.50% · 4.625%
HK$40,349
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,070/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,817
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,884
−HK$1,084/mo
Today · 4.125%
HK$41,968
baseline
▲ 0.50% · 4.625%
HK$44,180
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,936/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,949
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,285
−HK$1,357/mo
Today · 4.125%
HK$45,642
baseline
▲ 0.50% · 4.625%
HK$48,419
+HK$2,777/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,284/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,780
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,061
−HK$1,300/mo
Today · 4.125%
HK$50,361
baseline
▲ 0.50% · 4.625%
HK$53,016
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,722/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,107
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,665
−HK$1,584/mo
Today · 4.125%
HK$53,249
baseline
▲ 0.50% · 4.625%
HK$56,489
+HK$3,240/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,498/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,743
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,238
−HK$1,517/mo
Today · 4.125%
HK$58,755
baseline
▲ 0.50% · 4.625%
HK$61,852
+HK$3,097/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,510/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,423
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,427
−HK$2,036/mo
Today · 4.125%
HK$68,463
baseline
▲ 0.50% · 4.625%
HK$72,629
+HK$4,166/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,926/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,670
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,592
−HK$1,950/mo
Today · 4.125%
HK$75,542
baseline
▲ 0.50% · 4.625%
HK$79,524
+HK$3,982/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,084/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,594 · Scale 2, in force from 26 Feb 2026)