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$35,814
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,928
−HK$1,132/mo
Today · 4.125%
HK$38,060
baseline
▲ 0.50% · 4.625%
HK$40,376
+HK$2,316/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,120/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,843
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,912
−HK$1,084/mo
Today · 4.125%
HK$41,996
baseline
▲ 0.50% · 4.625%
HK$44,209
+HK$2,213/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,992/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,977
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,314
−HK$1,358/mo
Today · 4.125%
HK$45,672
baseline
▲ 0.50% · 4.625%
HK$48,451
+HK$2,779/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,344/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,812
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,094
−HK$1,301/mo
Today · 4.125%
HK$50,395
baseline
▲ 0.50% · 4.625%
HK$53,051
+HK$2,656/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,790/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,140
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,700
−HK$1,584/mo
Today · 4.125%
HK$53,284
baseline
▲ 0.50% · 4.625%
HK$56,527
+HK$3,243/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,568/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,780
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,276
−HK$1,518/mo
Today · 4.125%
HK$58,794
baseline
▲ 0.50% · 4.625%
HK$61,893
+HK$3,099/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,588/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,466
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,471
−HK$2,037/mo
Today · 4.125%
HK$68,508
baseline
▲ 0.50% · 4.625%
HK$72,677
+HK$4,169/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,016/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,718
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,641
−HK$1,951/mo
Today · 4.125%
HK$75,592
baseline
▲ 0.50% · 4.625%
HK$79,577
+HK$3,985/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,184/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,986 · Scale 2, in force from 26 Feb 2026)