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$35,842
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,957
−HK$1,133/mo
Today · 4.125%
HK$38,090
baseline
▲ 0.50% · 4.625%
HK$40,408
+HK$2,318/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,180/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,874
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,944
−HK$1,085/mo
Today · 4.125%
HK$42,029
baseline
▲ 0.50% · 4.625%
HK$44,244
+HK$2,215/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,058/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,011
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,349
−HK$1,359/mo
Today · 4.125%
HK$45,708
baseline
▲ 0.50% · 4.625%
HK$48,489
+HK$2,781/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,416/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,849
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,133
−HK$1,301/mo
Today · 4.125%
HK$50,434
baseline
▲ 0.50% · 4.625%
HK$53,093
+HK$2,659/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,868/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,179
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,740
−HK$1,586/mo
Today · 4.125%
HK$53,326
baseline
▲ 0.50% · 4.625%
HK$56,571
+HK$3,245/mo
Deposit HK$4.72M · loan HK$11.00M · min. income ≈ HK$106,652/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,824
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,321
−HK$1,519/mo
Today · 4.125%
HK$58,840
baseline
▲ 0.50% · 4.625%
HK$61,942
+HK$3,102/mo
Deposit HK$4.72M · loan HK$11.00M · min. income ≈ HK$117,680/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,516
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,523
−HK$2,039/mo
Today · 4.125%
HK$68,562
baseline
▲ 0.50% · 4.625%
HK$72,734
+HK$4,172/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,124/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,774
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,699
−HK$1,953/mo
Today · 4.125%
HK$75,652
baseline
▲ 0.50% · 4.625%
HK$79,639
+HK$3,987/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,304/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,449 · Scale 2, in force from 26 Feb 2026)