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$35,839
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,953
−HK$1,133/mo
Today · 4.125%
HK$38,086
baseline
▲ 0.50% · 4.625%
HK$40,404
+HK$2,318/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,172/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,870
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,939
−HK$1,085/mo
Today · 4.125%
HK$42,024
baseline
▲ 0.50% · 4.625%
HK$44,239
+HK$2,215/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,048/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,006
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,344
−HK$1,359/mo
Today · 4.125%
HK$45,703
baseline
▲ 0.50% · 4.625%
HK$48,484
+HK$2,781/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,406/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,844
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,127
−HK$1,302/mo
Today · 4.125%
HK$50,429
baseline
▲ 0.50% · 4.625%
HK$53,087
+HK$2,658/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,858/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,174
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,735
−HK$1,586/mo
Today · 4.125%
HK$53,321
baseline
▲ 0.50% · 4.625%
HK$56,565
+HK$3,244/mo
Deposit HK$4.72M · loan HK$11.00M · min. income ≈ HK$106,642/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,818
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,315
−HK$1,519/mo
Today · 4.125%
HK$58,834
baseline
▲ 0.50% · 4.625%
HK$61,935
+HK$3,101/mo
Deposit HK$4.72M · loan HK$11.00M · min. income ≈ HK$117,668/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,510
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,516
−HK$2,039/mo
Today · 4.125%
HK$68,555
baseline
▲ 0.50% · 4.625%
HK$72,726
+HK$4,171/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,110/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,766
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,691
−HK$1,953/mo
Today · 4.125%
HK$75,644
baseline
▲ 0.50% · 4.625%
HK$79,631
+HK$3,987/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,288/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,386 · Scale 2, in force from 26 Feb 2026)