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$35,870
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,986
−HK$1,134/mo
Today · 4.125%
HK$38,120
baseline
▲ 0.50% · 4.625%
HK$40,439
+HK$2,319/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,240/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$589,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,905
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,975
−HK$1,086/mo
Today · 4.125%
HK$42,061
baseline
▲ 0.50% · 4.625%
HK$44,278
+HK$2,217/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,122/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$589,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,044
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,383
−HK$1,361/mo
Today · 4.125%
HK$45,744
baseline
▲ 0.50% · 4.625%
HK$48,527
+HK$2,783/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,488/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,886
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,171
−HK$1,302/mo
Today · 4.125%
HK$50,473
baseline
▲ 0.50% · 4.625%
HK$53,134
+HK$2,661/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,946/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,218
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,780
−HK$1,587/mo
Today · 4.125%
HK$53,367
baseline
▲ 0.50% · 4.625%
HK$56,615
+HK$3,248/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,734/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,867
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,366
−HK$1,520/mo
Today · 4.125%
HK$58,886
baseline
▲ 0.50% · 4.625%
HK$61,990
+HK$3,104/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,772/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,566
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,575
−HK$2,040/mo
Today · 4.125%
HK$68,615
baseline
▲ 0.50% · 4.625%
HK$72,790
+HK$4,175/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,230/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,829
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,756
−HK$1,954/mo
Today · 4.125%
HK$75,710
baseline
▲ 0.50% · 4.625%
HK$79,701
+HK$3,991/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,420/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,905 · Scale 2, in force from 26 Feb 2026)