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$35,868
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,984
−HK$1,133/mo
Today · 4.125%
HK$38,117
baseline
▲ 0.50% · 4.625%
HK$40,437
+HK$2,320/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,234/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,903
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,973
−HK$1,086/mo
Today · 4.125%
HK$42,059
baseline
▲ 0.50% · 4.625%
HK$44,276
+HK$2,217/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,118/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,042
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,381
−HK$1,360/mo
Today · 4.125%
HK$45,741
baseline
▲ 0.50% · 4.625%
HK$48,524
+HK$2,783/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,482/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,884
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,168
−HK$1,303/mo
Today · 4.125%
HK$50,471
baseline
▲ 0.50% · 4.625%
HK$53,131
+HK$2,660/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,942/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,215
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,777
−HK$1,587/mo
Today · 4.125%
HK$53,364
baseline
▲ 0.50% · 4.625%
HK$56,612
+HK$3,248/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,728/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,864
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,362
−HK$1,520/mo
Today · 4.125%
HK$58,882
baseline
▲ 0.50% · 4.625%
HK$61,986
+HK$3,104/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,764/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,563
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,571
−HK$2,040/mo
Today · 4.125%
HK$68,611
baseline
▲ 0.50% · 4.625%
HK$72,786
+HK$4,175/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,222/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,825
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,752
−HK$1,954/mo
Today · 4.125%
HK$75,706
baseline
▲ 0.50% · 4.625%
HK$79,696
+HK$3,990/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,412/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,872 · Scale 2, in force from 26 Feb 2026)