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$35,903
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,020
−HK$1,135/mo
Today · 4.125%
HK$38,155
baseline
▲ 0.50% · 4.625%
HK$40,477
+HK$2,322/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,310/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,942
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,014
−HK$1,086/mo
Today · 4.125%
HK$42,100
baseline
▲ 0.50% · 4.625%
HK$44,319
+HK$2,219/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,200/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,084
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,424
−HK$1,362/mo
Today · 4.125%
HK$45,786
baseline
▲ 0.50% · 4.625%
HK$48,572
+HK$2,786/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,572/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,931
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,216
−HK$1,304/mo
Today · 4.125%
HK$50,520
baseline
▲ 0.50% · 4.625%
HK$53,183
+HK$2,663/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,040/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,265
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,828
−HK$1,589/mo
Today · 4.125%
HK$53,417
baseline
▲ 0.50% · 4.625%
HK$56,667
+HK$3,250/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,834/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,919
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,419
−HK$1,521/mo
Today · 4.125%
HK$58,940
baseline
▲ 0.50% · 4.625%
HK$62,047
+HK$3,107/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,880/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,626
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,637
−HK$2,042/mo
Today · 4.125%
HK$68,679
baseline
▲ 0.50% · 4.625%
HK$72,858
+HK$4,179/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,358/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,896
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,824
−HK$1,956/mo
Today · 4.125%
HK$75,780
baseline
▲ 0.50% · 4.625%
HK$79,775
+HK$3,995/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,560/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,452 · Scale 2, in force from 26 Feb 2026)