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$35,792
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,905
−HK$1,131/mo
Today · 4.125%
HK$38,036
baseline
▲ 0.50% · 4.625%
HK$40,350
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,072/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,818
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,886
−HK$1,083/mo
Today · 4.125%
HK$41,969
baseline
▲ 0.50% · 4.625%
HK$44,181
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,938/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,950
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,286
−HK$1,357/mo
Today · 4.125%
HK$45,643
baseline
▲ 0.50% · 4.625%
HK$48,421
+HK$2,778/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,286/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,781
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,063
−HK$1,300/mo
Today · 4.125%
HK$50,363
baseline
▲ 0.50% · 4.625%
HK$53,018
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,726/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,108
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,667
−HK$1,583/mo
Today · 4.125%
HK$53,250
baseline
▲ 0.50% · 4.625%
HK$56,491
+HK$3,241/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,500/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,745
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,240
−HK$1,517/mo
Today · 4.125%
HK$58,757
baseline
▲ 0.50% · 4.625%
HK$61,854
+HK$3,097/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,514/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,425
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,429
−HK$2,036/mo
Today · 4.125%
HK$68,465
baseline
▲ 0.50% · 4.625%
HK$72,631
+HK$4,166/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,930/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,672
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,594
−HK$1,950/mo
Today · 4.125%
HK$75,544
baseline
▲ 0.50% · 4.625%
HK$79,526
+HK$3,982/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,088/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,612 · Scale 2, in force from 26 Feb 2026)