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$35,876
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,992
−HK$1,134/mo
Today · 4.125%
HK$38,126
baseline
▲ 0.50% · 4.625%
HK$40,446
+HK$2,320/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,252/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,912
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,982
−HK$1,086/mo
Today · 4.125%
HK$42,068
baseline
▲ 0.50% · 4.625%
HK$44,286
+HK$2,218/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,136/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,052
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,391
−HK$1,360/mo
Today · 4.125%
HK$45,751
baseline
▲ 0.50% · 4.625%
HK$48,535
+HK$2,784/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,502/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,894
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,179
−HK$1,303/mo
Today · 4.125%
HK$50,482
baseline
▲ 0.50% · 4.625%
HK$53,143
+HK$2,661/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,964/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,227
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,789
−HK$1,588/mo
Today · 4.125%
HK$53,377
baseline
▲ 0.50% · 4.625%
HK$56,624
+HK$3,247/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,754/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,877
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,375
−HK$1,521/mo
Today · 4.125%
HK$58,896
baseline
▲ 0.50% · 4.625%
HK$62,000
+HK$3,104/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,792/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,577
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,586
−HK$2,041/mo
Today · 4.125%
HK$68,627
baseline
▲ 0.50% · 4.625%
HK$72,803
+HK$4,176/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,254/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,842
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,768
−HK$1,955/mo
Today · 4.125%
HK$75,723
baseline
▲ 0.50% · 4.625%
HK$79,715
+HK$3,992/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,446/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,006 · Scale 2, in force from 26 Feb 2026)