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$35,863
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,979
−HK$1,133/mo
Today · 4.125%
HK$38,112
baseline
▲ 0.50% · 4.625%
HK$40,431
+HK$2,319/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,224/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,898
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,968
−HK$1,085/mo
Today · 4.125%
HK$42,053
baseline
▲ 0.50% · 4.625%
HK$44,270
+HK$2,217/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,106/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,036
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,375
−HK$1,360/mo
Today · 4.125%
HK$45,735
baseline
▲ 0.50% · 4.625%
HK$48,518
+HK$2,783/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,470/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,877
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,161
−HK$1,303/mo
Today · 4.125%
HK$50,464
baseline
▲ 0.50% · 4.625%
HK$53,124
+HK$2,660/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,928/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,209
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,771
−HK$1,586/mo
Today · 4.125%
HK$53,357
baseline
▲ 0.50% · 4.625%
HK$56,604
+HK$3,247/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,714/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,857
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,355
−HK$1,520/mo
Today · 4.125%
HK$58,875
baseline
▲ 0.50% · 4.625%
HK$61,978
+HK$3,103/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,750/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,554
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,562
−HK$2,040/mo
Today · 4.125%
HK$68,602
baseline
▲ 0.50% · 4.625%
HK$72,777
+HK$4,175/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,204/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,816
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,742
−HK$1,954/mo
Today · 4.125%
HK$75,696
baseline
▲ 0.50% · 4.625%
HK$79,686
+HK$3,990/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,392/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,793 · Scale 2, in force from 26 Feb 2026)