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$35,795
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,909
−HK$1,131/mo
Today · 4.125%
HK$38,040
baseline
▲ 0.50% · 4.625%
HK$40,355
+HK$2,315/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,080/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,822
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,890
−HK$1,084/mo
Today · 4.125%
HK$41,974
baseline
▲ 0.50% · 4.625%
HK$44,186
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,948/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,955
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,291
−HK$1,357/mo
Today · 4.125%
HK$45,648
baseline
▲ 0.50% · 4.625%
HK$48,426
+HK$2,778/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,296/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,786
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,068
−HK$1,300/mo
Today · 4.125%
HK$50,368
baseline
▲ 0.50% · 4.625%
HK$53,023
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,736/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,114
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,672
−HK$1,584/mo
Today · 4.125%
HK$53,256
baseline
▲ 0.50% · 4.625%
HK$56,497
+HK$3,241/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,512/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,751
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,246
−HK$1,517/mo
Today · 4.125%
HK$58,763
baseline
▲ 0.50% · 4.625%
HK$61,860
+HK$3,097/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,526/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,432
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,436
−HK$2,036/mo
Today · 4.125%
HK$68,472
baseline
▲ 0.50% · 4.625%
HK$72,639
+HK$4,167/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,944/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,680
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,602
−HK$1,950/mo
Today · 4.125%
HK$75,552
baseline
▲ 0.50% · 4.625%
HK$79,535
+HK$3,983/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,104/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,675 · Scale 2, in force from 26 Feb 2026)