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$35,881
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,997
−HK$1,134/mo
Today · 4.125%
HK$38,131
baseline
▲ 0.50% · 4.625%
HK$40,451
+HK$2,320/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,262/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,917
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,988
−HK$1,086/mo
Today · 4.125%
HK$42,074
baseline
▲ 0.50% · 4.625%
HK$44,292
+HK$2,218/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,148/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,057
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,396
−HK$1,361/mo
Today · 4.125%
HK$45,757
baseline
▲ 0.50% · 4.625%
HK$48,541
+HK$2,784/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,514/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,901
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,185
−HK$1,304/mo
Today · 4.125%
HK$50,489
baseline
▲ 0.50% · 4.625%
HK$53,150
+HK$2,661/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,978/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,233
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,796
−HK$1,587/mo
Today · 4.125%
HK$53,383
baseline
▲ 0.50% · 4.625%
HK$56,632
+HK$3,249/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,766/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,884
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,383
−HK$1,520/mo
Today · 4.125%
HK$58,903
baseline
▲ 0.50% · 4.625%
HK$62,008
+HK$3,105/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,806/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,586
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,595
−HK$2,041/mo
Today · 4.125%
HK$68,636
baseline
▲ 0.50% · 4.625%
HK$72,812
+HK$4,176/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,272/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,851
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,778
−HK$1,955/mo
Today · 4.125%
HK$75,733
baseline
▲ 0.50% · 4.625%
HK$79,725
+HK$3,992/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,466/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,082 · Scale 2, in force from 26 Feb 2026)