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$35,867
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,982
−HK$1,134/mo
Today · 4.125%
HK$38,116
baseline
▲ 0.50% · 4.625%
HK$40,435
+HK$2,319/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,232/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,901
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,972
−HK$1,085/mo
Today · 4.125%
HK$42,057
baseline
▲ 0.50% · 4.625%
HK$44,274
+HK$2,217/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,114/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,040
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,379
−HK$1,360/mo
Today · 4.125%
HK$45,739
baseline
▲ 0.50% · 4.625%
HK$48,522
+HK$2,783/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,478/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,882
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,166
−HK$1,303/mo
Today · 4.125%
HK$50,469
baseline
▲ 0.50% · 4.625%
HK$53,129
+HK$2,660/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,938/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$589,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,214
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,775
−HK$1,587/mo
Today · 4.125%
HK$53,362
baseline
▲ 0.50% · 4.625%
HK$56,609
+HK$3,247/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,724/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,862
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,360
−HK$1,520/mo
Today · 4.125%
HK$58,880
baseline
▲ 0.50% · 4.625%
HK$61,984
+HK$3,104/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,760/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$589,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,560
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,568
−HK$2,041/mo
Today · 4.125%
HK$68,609
baseline
▲ 0.50% · 4.625%
HK$72,783
+HK$4,174/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,218/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,823
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,749
−HK$1,954/mo
Today · 4.125%
HK$75,703
baseline
▲ 0.50% · 4.625%
HK$79,693
+HK$3,990/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,406/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,848 · Scale 2, in force from 26 Feb 2026)