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$35,894
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,010
−HK$1,135/mo
Today · 4.125%
HK$38,145
baseline
▲ 0.50% · 4.625%
HK$40,466
+HK$2,321/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,290/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,931
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,002
−HK$1,087/mo
Today · 4.125%
HK$42,089
baseline
▲ 0.50% · 4.625%
HK$44,307
+HK$2,218/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,178/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,073
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,412
−HK$1,362/mo
Today · 4.125%
HK$45,774
baseline
▲ 0.50% · 4.625%
HK$48,559
+HK$2,785/mo
Deposit HK$6.30M · loan HK$9.44M · min. income ≈ HK$91,548/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,918
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,203
−HK$1,304/mo
Today · 4.125%
HK$50,507
baseline
▲ 0.50% · 4.625%
HK$53,169
+HK$2,662/mo
Deposit HK$6.30M · loan HK$9.44M · min. income ≈ HK$101,014/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,251
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,814
−HK$1,588/mo
Today · 4.125%
HK$53,402
baseline
▲ 0.50% · 4.625%
HK$56,652
+HK$3,250/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,804/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,904
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,403
−HK$1,521/mo
Today · 4.125%
HK$58,924
baseline
▲ 0.50% · 4.625%
HK$62,030
+HK$3,106/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,848/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,609
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,619
−HK$2,041/mo
Today · 4.125%
HK$68,660
baseline
▲ 0.50% · 4.625%
HK$72,838
+HK$4,178/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,320/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,877
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,804
−HK$1,956/mo
Today · 4.125%
HK$75,760
baseline
▲ 0.50% · 4.625%
HK$79,753
+HK$3,993/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,520/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,292 · Scale 2, in force from 26 Feb 2026)