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$35,852
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,968
−HK$1,133/mo
Today · 4.125%
HK$38,101
baseline
▲ 0.50% · 4.625%
HK$40,419
+HK$2,318/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,202/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,885
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,955
−HK$1,085/mo
Today · 4.125%
HK$42,040
baseline
▲ 0.50% · 4.625%
HK$44,256
+HK$2,216/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,080/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,023
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,361
−HK$1,360/mo
Today · 4.125%
HK$45,721
baseline
▲ 0.50% · 4.625%
HK$48,503
+HK$2,782/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$91,442/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,863
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,146
−HK$1,302/mo
Today · 4.125%
HK$50,448
baseline
▲ 0.50% · 4.625%
HK$53,108
+HK$2,660/mo
Deposit HK$6.29M · loan HK$9.43M · min. income ≈ HK$100,896/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,193
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,755
−HK$1,586/mo
Today · 4.125%
HK$53,341
baseline
▲ 0.50% · 4.625%
HK$56,587
+HK$3,246/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,682/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,840
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,337
−HK$1,520/mo
Today · 4.125%
HK$58,857
baseline
▲ 0.50% · 4.625%
HK$61,959
+HK$3,102/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,714/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,534
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,542
−HK$2,039/mo
Today · 4.125%
HK$68,581
baseline
▲ 0.50% · 4.625%
HK$72,754
+HK$4,173/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$137,162/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,794
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,719
−HK$1,954/mo
Today · 4.125%
HK$75,673
baseline
▲ 0.50% · 4.625%
HK$79,661
+HK$3,988/mo
Deposit HK$1.57M · loan HK$14.15M · min. income ≈ HK$151,346/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,612 · Scale 2, in force from 26 Feb 2026)