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$35,888
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,004
−HK$1,135/mo
Today · 4.125%
HK$38,139
baseline
▲ 0.50% · 4.625%
HK$40,459
+HK$2,320/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,278/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,925
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,996
−HK$1,086/mo
Today · 4.125%
HK$42,082
baseline
▲ 0.50% · 4.625%
HK$44,300
+HK$2,218/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,164/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,066
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,405
−HK$1,361/mo
Today · 4.125%
HK$45,766
baseline
▲ 0.50% · 4.625%
HK$48,551
+HK$2,785/mo
Deposit HK$6.30M · loan HK$9.44M · min. income ≈ HK$91,532/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,910
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,195
−HK$1,304/mo
Today · 4.125%
HK$50,499
baseline
▲ 0.50% · 4.625%
HK$53,161
+HK$2,662/mo
Deposit HK$6.30M · loan HK$9.44M · min. income ≈ HK$100,998/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,243
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,806
−HK$1,588/mo
Today · 4.125%
HK$53,394
baseline
▲ 0.50% · 4.625%
HK$56,643
+HK$3,249/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,788/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,895
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,394
−HK$1,521/mo
Today · 4.125%
HK$58,915
baseline
▲ 0.50% · 4.625%
HK$62,021
+HK$3,106/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,830/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,599
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,608
−HK$2,042/mo
Today · 4.125%
HK$68,650
baseline
▲ 0.50% · 4.625%
HK$72,827
+HK$4,177/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,300/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,865
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,793
−HK$1,955/mo
Today · 4.125%
HK$75,748
baseline
▲ 0.50% · 4.625%
HK$79,741
+HK$3,993/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,496/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,200 · Scale 2, in force from 26 Feb 2026)