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$35,845
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,960
−HK$1,133/mo
Today · 4.125%
HK$38,093
baseline
▲ 0.50% · 4.625%
HK$40,411
+HK$2,318/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,186/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,878
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,947
−HK$1,085/mo
Today · 4.125%
HK$42,032
baseline
▲ 0.50% · 4.625%
HK$44,248
+HK$2,216/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,064/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,015
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,353
−HK$1,359/mo
Today · 4.125%
HK$45,712
baseline
▲ 0.50% · 4.625%
HK$48,493
+HK$2,781/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,424/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,853
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,137
−HK$1,302/mo
Today · 4.125%
HK$50,439
baseline
▲ 0.50% · 4.625%
HK$53,097
+HK$2,658/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,878/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,184
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,745
−HK$1,586/mo
Today · 4.125%
HK$53,331
baseline
▲ 0.50% · 4.625%
HK$56,576
+HK$3,245/mo
Deposit HK$4.72M · loan HK$11.00M · min. income ≈ HK$106,662/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,829
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,326
−HK$1,519/mo
Today · 4.125%
HK$58,845
baseline
▲ 0.50% · 4.625%
HK$61,947
+HK$3,102/mo
Deposit HK$4.72M · loan HK$11.00M · min. income ≈ HK$117,690/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,522
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,529
−HK$2,039/mo
Today · 4.125%
HK$68,568
baseline
▲ 0.50% · 4.625%
HK$72,740
+HK$4,172/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,136/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,780
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,705
−HK$1,953/mo
Today · 4.125%
HK$75,658
baseline
▲ 0.50% · 4.625%
HK$79,646
+HK$3,988/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,316/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,498 · Scale 2, in force from 26 Feb 2026)