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$35,848
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,963
−HK$1,133/mo
Today · 4.125%
HK$38,096
baseline
▲ 0.50% · 4.625%
HK$40,414
+HK$2,318/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,192/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,881
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,950
−HK$1,085/mo
Today · 4.125%
HK$42,035
baseline
▲ 0.50% · 4.625%
HK$44,251
+HK$2,216/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,070/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,018
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,356
−HK$1,360/mo
Today · 4.125%
HK$45,716
baseline
▲ 0.50% · 4.625%
HK$48,497
+HK$2,781/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,432/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,857
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,141
−HK$1,302/mo
Today · 4.125%
HK$50,443
baseline
▲ 0.50% · 4.625%
HK$53,101
+HK$2,658/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,886/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,188
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,749
−HK$1,586/mo
Today · 4.125%
HK$53,335
baseline
▲ 0.50% · 4.625%
HK$56,580
+HK$3,245/mo
Deposit HK$4.72M · loan HK$11.00M · min. income ≈ HK$106,670/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,833
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,331
−HK$1,519/mo
Today · 4.125%
HK$58,850
baseline
▲ 0.50% · 4.625%
HK$61,952
+HK$3,102/mo
Deposit HK$4.72M · loan HK$11.00M · min. income ≈ HK$117,700/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,527
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,534
−HK$2,039/mo
Today · 4.125%
HK$68,573
baseline
▲ 0.50% · 4.625%
HK$72,746
+HK$4,173/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,146/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,786
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,711
−HK$1,953/mo
Today · 4.125%
HK$75,664
baseline
▲ 0.50% · 4.625%
HK$79,652
+HK$3,988/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,328/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,544 · Scale 2, in force from 26 Feb 2026)