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$35,810
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,923
−HK$1,132/mo
Today · 4.125%
HK$38,055
baseline
▲ 0.50% · 4.625%
HK$40,371
+HK$2,316/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,110/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,838
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,906
−HK$1,084/mo
Today · 4.125%
HK$41,990
baseline
▲ 0.50% · 4.625%
HK$44,203
+HK$2,213/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,980/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,972
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,308
−HK$1,358/mo
Today · 4.125%
HK$45,666
baseline
▲ 0.50% · 4.625%
HK$48,445
+HK$2,779/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,332/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,805
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,087
−HK$1,301/mo
Today · 4.125%
HK$50,388
baseline
▲ 0.50% · 4.625%
HK$53,044
+HK$2,656/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,776/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,133
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,693
−HK$1,584/mo
Today · 4.125%
HK$53,277
baseline
▲ 0.50% · 4.625%
HK$56,519
+HK$3,242/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,554/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,773
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,269
−HK$1,517/mo
Today · 4.125%
HK$58,786
baseline
▲ 0.50% · 4.625%
HK$61,885
+HK$3,099/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,572/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,457
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,462
−HK$2,037/mo
Today · 4.125%
HK$68,499
baseline
▲ 0.50% · 4.625%
HK$72,667
+HK$4,168/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,998/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,708
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,631
−HK$1,951/mo
Today · 4.125%
HK$75,582
baseline
▲ 0.50% · 4.625%
HK$79,566
+HK$3,984/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,164/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,908 · Scale 2, in force from 26 Feb 2026)