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$35,880
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,996
−HK$1,134/mo
Today · 4.125%
HK$38,130
baseline
▲ 0.50% · 4.625%
HK$40,450
+HK$2,320/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,260/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,916
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,986
−HK$1,086/mo
Today · 4.125%
HK$42,072
baseline
▲ 0.50% · 4.625%
HK$44,290
+HK$2,218/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,144/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,055
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,395
−HK$1,360/mo
Today · 4.125%
HK$45,755
baseline
▲ 0.50% · 4.625%
HK$48,540
+HK$2,785/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,510/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,899
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,183
−HK$1,304/mo
Today · 4.125%
HK$50,487
baseline
▲ 0.50% · 4.625%
HK$53,148
+HK$2,661/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,974/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,231
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,794
−HK$1,587/mo
Today · 4.125%
HK$53,381
baseline
▲ 0.50% · 4.625%
HK$56,629
+HK$3,248/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,762/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,882
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,381
−HK$1,520/mo
Today · 4.125%
HK$58,901
baseline
▲ 0.50% · 4.625%
HK$62,006
+HK$3,105/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,802/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,583
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,592
−HK$2,041/mo
Today · 4.125%
HK$68,633
baseline
▲ 0.50% · 4.625%
HK$72,809
+HK$4,176/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,266/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,848
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,775
−HK$1,955/mo
Today · 4.125%
HK$75,730
baseline
▲ 0.50% · 4.625%
HK$79,722
+HK$3,992/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,460/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,059 · Scale 2, in force from 26 Feb 2026)