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$35,820
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,935
−HK$1,132/mo
Today · 4.125%
HK$38,067
baseline
▲ 0.50% · 4.625%
HK$40,383
+HK$2,316/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,134/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,850
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,919
−HK$1,084/mo
Today · 4.125%
HK$42,003
baseline
▲ 0.50% · 4.625%
HK$44,217
+HK$2,214/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$84,006/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,985
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,322
−HK$1,358/mo
Today · 4.125%
HK$45,680
baseline
▲ 0.50% · 4.625%
HK$48,460
+HK$2,780/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$91,360/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,820
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,102
−HK$1,301/mo
Today · 4.125%
HK$50,403
baseline
▲ 0.50% · 4.625%
HK$53,060
+HK$2,657/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$100,806/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,149
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,709
−HK$1,584/mo
Today · 4.125%
HK$53,293
baseline
▲ 0.50% · 4.625%
HK$56,536
+HK$3,243/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,586/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,790
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,286
−HK$1,518/mo
Today · 4.125%
HK$58,804
baseline
▲ 0.50% · 4.625%
HK$61,904
+HK$3,100/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,608/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,477
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,482
−HK$2,038/mo
Today · 4.125%
HK$68,520
baseline
▲ 0.50% · 4.625%
HK$72,689
+HK$4,169/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,040/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,730
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,654
−HK$1,951/mo
Today · 4.125%
HK$75,605
baseline
▲ 0.50% · 4.625%
HK$79,590
+HK$3,985/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,210/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,087 · Scale 2, in force from 26 Feb 2026)