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$35,843
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,958
−HK$1,133/mo
Today · 4.125%
HK$38,091
baseline
▲ 0.50% · 4.625%
HK$40,409
+HK$2,318/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,182/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,875
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,945
−HK$1,085/mo
Today · 4.125%
HK$42,030
baseline
▲ 0.50% · 4.625%
HK$44,245
+HK$2,215/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,060/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,012
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,350
−HK$1,359/mo
Today · 4.125%
HK$45,709
baseline
▲ 0.50% · 4.625%
HK$48,491
+HK$2,782/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,418/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,850
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,134
−HK$1,302/mo
Today · 4.125%
HK$50,436
baseline
▲ 0.50% · 4.625%
HK$53,094
+HK$2,658/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,872/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,181
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,742
−HK$1,585/mo
Today · 4.125%
HK$53,327
baseline
▲ 0.50% · 4.625%
HK$56,572
+HK$3,245/mo
Deposit HK$4.72M · loan HK$11.00M · min. income ≈ HK$106,654/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,826
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,323
−HK$1,519/mo
Today · 4.125%
HK$58,842
baseline
▲ 0.50% · 4.625%
HK$61,943
+HK$3,101/mo
Deposit HK$4.72M · loan HK$11.00M · min. income ≈ HK$117,684/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,518
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,525
−HK$2,039/mo
Today · 4.125%
HK$68,564
baseline
▲ 0.50% · 4.625%
HK$72,736
+HK$4,172/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,128/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,776
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,701
−HK$1,953/mo
Today · 4.125%
HK$75,654
baseline
▲ 0.50% · 4.625%
HK$79,641
+HK$3,987/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,308/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,463 · Scale 2, in force from 26 Feb 2026)