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$35,861
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,977
−HK$1,133/mo
Today · 4.125%
HK$38,110
baseline
▲ 0.50% · 4.625%
HK$40,429
+HK$2,319/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,220/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,895
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,965
−HK$1,086/mo
Today · 4.125%
HK$42,051
baseline
▲ 0.50% · 4.625%
HK$44,267
+HK$2,216/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,102/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,034
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,372
−HK$1,360/mo
Today · 4.125%
HK$45,732
baseline
▲ 0.50% · 4.625%
HK$48,515
+HK$2,783/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,464/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,875
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,159
−HK$1,302/mo
Today · 4.125%
HK$50,461
baseline
▲ 0.50% · 4.625%
HK$53,121
+HK$2,660/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,922/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,206
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,768
−HK$1,586/mo
Today · 4.125%
HK$53,354
baseline
▲ 0.50% · 4.625%
HK$56,601
+HK$3,247/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,708/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,854
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,352
−HK$1,519/mo
Today · 4.125%
HK$58,871
baseline
▲ 0.50% · 4.625%
HK$61,974
+HK$3,103/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,742/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,551
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,558
−HK$2,040/mo
Today · 4.125%
HK$68,598
baseline
▲ 0.50% · 4.625%
HK$72,773
+HK$4,175/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,196/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,812
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,738
−HK$1,954/mo
Today · 4.125%
HK$75,692
baseline
▲ 0.50% · 4.625%
HK$79,681
+HK$3,989/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,384/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,760 · Scale 2, in force from 26 Feb 2026)