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$35,877
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,993
−HK$1,134/mo
Today · 4.125%
HK$38,127
baseline
▲ 0.50% · 4.625%
HK$40,447
+HK$2,320/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,254/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,913
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,983
−HK$1,086/mo
Today · 4.125%
HK$42,069
baseline
▲ 0.50% · 4.625%
HK$44,287
+HK$2,218/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,138/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,052
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,391
−HK$1,361/mo
Today · 4.125%
HK$45,752
baseline
▲ 0.50% · 4.625%
HK$48,536
+HK$2,784/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,504/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,895
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,180
−HK$1,303/mo
Today · 4.125%
HK$50,483
baseline
▲ 0.50% · 4.625%
HK$53,144
+HK$2,661/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,966/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,228
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,790
−HK$1,587/mo
Today · 4.125%
HK$53,377
baseline
▲ 0.50% · 4.625%
HK$56,625
+HK$3,248/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$590,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,878
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,376
−HK$1,521/mo
Today · 4.125%
HK$58,897
baseline
▲ 0.50% · 4.625%
HK$62,001
+HK$3,104/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,794/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,578
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,587
−HK$2,041/mo
Today · 4.125%
HK$68,628
baseline
▲ 0.50% · 4.625%
HK$72,804
+HK$4,176/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,256/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,843
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,770
−HK$1,954/mo
Today · 4.125%
HK$75,724
baseline
▲ 0.50% · 4.625%
HK$79,716
+HK$3,992/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,448/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,014 · Scale 2, in force from 26 Feb 2026)