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$35,858
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,974
−HK$1,133/mo
Today · 4.125%
HK$38,107
baseline
▲ 0.50% · 4.625%
HK$40,426
+HK$2,319/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,214/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,892
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,962
−HK$1,085/mo
Today · 4.125%
HK$42,047
baseline
▲ 0.50% · 4.625%
HK$44,264
+HK$2,217/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,094/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,030
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,369
−HK$1,360/mo
Today · 4.125%
HK$45,729
baseline
▲ 0.50% · 4.625%
HK$48,511
+HK$2,782/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,458/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,871
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,155
−HK$1,302/mo
Today · 4.125%
HK$50,457
baseline
▲ 0.50% · 4.625%
HK$53,117
+HK$2,660/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,914/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,202
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,763
−HK$1,587/mo
Today · 4.125%
HK$53,350
baseline
▲ 0.50% · 4.625%
HK$56,596
+HK$3,246/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,700/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,849
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,347
−HK$1,519/mo
Today · 4.125%
HK$58,866
baseline
▲ 0.50% · 4.625%
HK$61,969
+HK$3,103/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,732/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,545
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,553
−HK$2,040/mo
Today · 4.125%
HK$68,593
baseline
▲ 0.50% · 4.625%
HK$72,767
+HK$4,174/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,186/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,806
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,732
−HK$1,953/mo
Today · 4.125%
HK$75,685
baseline
▲ 0.50% · 4.625%
HK$79,675
+HK$3,990/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,370/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,712 · Scale 2, in force from 26 Feb 2026)