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$35,906
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,023
−HK$1,135/mo
Today · 4.125%
HK$38,158
baseline
▲ 0.50% · 4.625%
HK$40,480
+HK$2,322/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,316/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,946
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,017
−HK$1,087/mo
Today · 4.125%
HK$42,104
baseline
▲ 0.50% · 4.625%
HK$44,323
+HK$2,219/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,208/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,088
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,428
−HK$1,362/mo
Today · 4.125%
HK$45,790
baseline
▲ 0.50% · 4.625%
HK$48,576
+HK$2,786/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,580/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,935
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,220
−HK$1,304/mo
Today · 4.125%
HK$50,524
baseline
▲ 0.50% · 4.625%
HK$53,188
+HK$2,664/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,048/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,269
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,833
−HK$1,588/mo
Today · 4.125%
HK$53,421
baseline
▲ 0.50% · 4.625%
HK$56,672
+HK$3,251/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,842/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,924
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,424
−HK$1,521/mo
Today · 4.125%
HK$58,945
baseline
▲ 0.50% · 4.625%
HK$62,052
+HK$3,107/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,890/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,632
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,642
−HK$2,043/mo
Today · 4.125%
HK$68,685
baseline
▲ 0.50% · 4.625%
HK$72,864
+HK$4,179/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,370/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,902
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,830
−HK$1,957/mo
Today · 4.125%
HK$75,787
baseline
▲ 0.50% · 4.625%
HK$79,782
+HK$3,995/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,574/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,501 · Scale 2, in force from 26 Feb 2026)