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$35,829
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,943
−HK$1,132/mo
Today · 4.125%
HK$38,075
baseline
▲ 0.50% · 4.625%
HK$40,392
+HK$2,317/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,150/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,859
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,928
−HK$1,084/mo
Today · 4.125%
HK$42,012
baseline
▲ 0.50% · 4.625%
HK$44,227
+HK$2,215/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,024/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,994
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,332
−HK$1,358/mo
Today · 4.125%
HK$45,690
baseline
▲ 0.50% · 4.625%
HK$48,471
+HK$2,781/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,380/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,831
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,114
−HK$1,301/mo
Today · 4.125%
HK$50,415
baseline
▲ 0.50% · 4.625%
HK$53,072
+HK$2,657/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,830/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,160
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,720
−HK$1,585/mo
Today · 4.125%
HK$53,305
baseline
▲ 0.50% · 4.625%
HK$56,549
+HK$3,244/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,610/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,803
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,299
−HK$1,518/mo
Today · 4.125%
HK$58,817
baseline
▲ 0.50% · 4.625%
HK$61,918
+HK$3,101/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,634/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,491
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,497
−HK$2,039/mo
Today · 4.125%
HK$68,536
baseline
▲ 0.50% · 4.625%
HK$72,706
+HK$4,170/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,072/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,746
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,670
−HK$1,952/mo
Today · 4.125%
HK$75,622
baseline
▲ 0.50% · 4.625%
HK$79,608
+HK$3,986/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,244/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,220 · Scale 2, in force from 26 Feb 2026)