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$35,789
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,902
−HK$1,131/mo
Today · 4.125%
HK$38,033
baseline
▲ 0.50% · 4.625%
HK$40,347
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,066/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,815
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,883
−HK$1,083/mo
Today · 4.125%
HK$41,966
baseline
▲ 0.50% · 4.625%
HK$44,178
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,932/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,947
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,283
−HK$1,357/mo
Today · 4.125%
HK$45,640
baseline
▲ 0.50% · 4.625%
HK$48,417
+HK$2,777/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,280/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,778
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,059
−HK$1,300/mo
Today · 4.125%
HK$50,359
baseline
▲ 0.50% · 4.625%
HK$53,014
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,718/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,105
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,663
−HK$1,584/mo
Today · 4.125%
HK$53,247
baseline
▲ 0.50% · 4.625%
HK$56,486
+HK$3,239/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,494/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,741
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,236
−HK$1,516/mo
Today · 4.125%
HK$58,752
baseline
▲ 0.50% · 4.625%
HK$61,849
+HK$3,097/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,504/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,420
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,424
−HK$2,036/mo
Today · 4.125%
HK$68,460
baseline
▲ 0.50% · 4.625%
HK$72,625
+HK$4,165/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,920/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,667
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,589
−HK$1,950/mo
Today · 4.125%
HK$75,539
baseline
▲ 0.50% · 4.625%
HK$79,520
+HK$3,981/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,078/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,569 · Scale 2, in force from 26 Feb 2026)