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$35,889
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,006
−HK$1,134/mo
Today · 4.125%
HK$38,140
baseline
▲ 0.50% · 4.625%
HK$40,461
+HK$2,321/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,280/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,927
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,997
−HK$1,087/mo
Today · 4.125%
HK$42,084
baseline
▲ 0.50% · 4.625%
HK$44,302
+HK$2,218/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,168/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,067
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,407
−HK$1,361/mo
Today · 4.125%
HK$45,768
baseline
▲ 0.50% · 4.625%
HK$48,553
+HK$2,785/mo
Deposit HK$6.30M · loan HK$9.44M · min. income ≈ HK$91,536/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,912
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,197
−HK$1,303/mo
Today · 4.125%
HK$50,500
baseline
▲ 0.50% · 4.625%
HK$53,162
+HK$2,662/mo
Deposit HK$6.30M · loan HK$9.44M · min. income ≈ HK$101,000/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,245
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,808
−HK$1,588/mo
Today · 4.125%
HK$53,396
baseline
▲ 0.50% · 4.625%
HK$56,645
+HK$3,249/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,792/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,897
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,396
−HK$1,521/mo
Today · 4.125%
HK$58,917
baseline
▲ 0.50% · 4.625%
HK$62,023
+HK$3,106/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,834/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,601
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,610
−HK$2,042/mo
Today · 4.125%
HK$68,652
baseline
▲ 0.50% · 4.625%
HK$72,829
+HK$4,177/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,304/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,868
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,795
−HK$1,955/mo
Today · 4.125%
HK$75,750
baseline
▲ 0.50% · 4.625%
HK$79,743
+HK$3,993/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,500/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,219 · Scale 2, in force from 26 Feb 2026)