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$35,899
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,016
−HK$1,134/mo
Today · 4.125%
HK$38,150
baseline
▲ 0.50% · 4.625%
HK$40,472
+HK$2,322/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,300/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,938
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,009
−HK$1,086/mo
Today · 4.125%
HK$42,095
baseline
▲ 0.50% · 4.625%
HK$44,314
+HK$2,219/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,190/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,079
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,419
−HK$1,362/mo
Today · 4.125%
HK$45,781
baseline
▲ 0.50% · 4.625%
HK$48,566
+HK$2,785/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,562/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,925
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,210
−HK$1,304/mo
Today · 4.125%
HK$50,514
baseline
▲ 0.50% · 4.625%
HK$53,177
+HK$2,663/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,028/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,259
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,822
−HK$1,589/mo
Today · 4.125%
HK$53,411
baseline
▲ 0.50% · 4.625%
HK$56,661
+HK$3,250/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,822/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,913
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,412
−HK$1,521/mo
Today · 4.125%
HK$58,933
baseline
▲ 0.50% · 4.625%
HK$62,040
+HK$3,107/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,866/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,619
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,629
−HK$2,042/mo
Today · 4.125%
HK$68,671
baseline
▲ 0.50% · 4.625%
HK$72,849
+HK$4,178/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,342/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,888
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,816
−HK$1,955/mo
Today · 4.125%
HK$75,771
baseline
▲ 0.50% · 4.625%
HK$79,765
+HK$3,994/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,542/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,382 · Scale 2, in force from 26 Feb 2026)