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$35,820
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,934
−HK$1,132/mo
Today · 4.125%
HK$38,066
baseline
▲ 0.50% · 4.625%
HK$40,382
+HK$2,316/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,132/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,849
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,918
−HK$1,084/mo
Today · 4.125%
HK$42,002
baseline
▲ 0.50% · 4.625%
HK$44,216
+HK$2,214/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$84,004/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,984
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,321
−HK$1,358/mo
Today · 4.125%
HK$45,679
baseline
▲ 0.50% · 4.625%
HK$48,459
+HK$2,780/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$91,358/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,819
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,102
−HK$1,301/mo
Today · 4.125%
HK$50,403
baseline
▲ 0.50% · 4.625%
HK$53,060
+HK$2,657/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$100,806/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,148
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,708
−HK$1,585/mo
Today · 4.125%
HK$53,293
baseline
▲ 0.50% · 4.625%
HK$56,535
+HK$3,242/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,586/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,789
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,285
−HK$1,518/mo
Today · 4.125%
HK$58,803
baseline
▲ 0.50% · 4.625%
HK$61,903
+HK$3,100/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,606/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,476
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,481
−HK$2,038/mo
Today · 4.125%
HK$68,519
baseline
▲ 0.50% · 4.625%
HK$72,688
+HK$4,169/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,038/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,729
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,653
−HK$1,951/mo
Today · 4.125%
HK$75,604
baseline
▲ 0.50% · 4.625%
HK$79,589
+HK$3,985/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,208/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,078 · Scale 2, in force from 26 Feb 2026)