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$35,835
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,950
−HK$1,132/mo
Today · 4.125%
HK$38,082
baseline
▲ 0.50% · 4.625%
HK$40,399
+HK$2,317/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,164/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,866
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,935
−HK$1,085/mo
Today · 4.125%
HK$42,020
baseline
▲ 0.50% · 4.625%
HK$44,235
+HK$2,215/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,040/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,002
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,340
−HK$1,359/mo
Today · 4.125%
HK$45,699
baseline
▲ 0.50% · 4.625%
HK$48,479
+HK$2,780/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,398/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,839
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,122
−HK$1,302/mo
Today · 4.125%
HK$50,424
baseline
▲ 0.50% · 4.625%
HK$53,082
+HK$2,658/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,848/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,169
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,730
−HK$1,585/mo
Today · 4.125%
HK$53,315
baseline
▲ 0.50% · 4.625%
HK$56,559
+HK$3,244/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,630/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,813
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,309
−HK$1,519/mo
Today · 4.125%
HK$58,828
baseline
▲ 0.50% · 4.625%
HK$61,929
+HK$3,101/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,656/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,503
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,509
−HK$2,039/mo
Today · 4.125%
HK$68,548
baseline
▲ 0.50% · 4.625%
HK$72,719
+HK$4,171/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,096/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,759
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,683
−HK$1,953/mo
Today · 4.125%
HK$75,636
baseline
▲ 0.50% · 4.625%
HK$79,623
+HK$3,987/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,272/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,326 · Scale 2, in force from 26 Feb 2026)