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$35,748
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,860
−HK$1,130/mo
Today · 4.125%
HK$37,990
baseline
▲ 0.50% · 4.625%
HK$40,302
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,980/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,770
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,836
−HK$1,082/mo
Today · 4.125%
HK$41,918
baseline
▲ 0.50% · 4.625%
HK$44,128
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,836/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,898
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,232
−HK$1,356/mo
Today · 4.125%
HK$45,588
baseline
▲ 0.50% · 4.625%
HK$48,362
+HK$2,774/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,176/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,723
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,003
−HK$1,299/mo
Today · 4.125%
HK$50,302
baseline
▲ 0.50% · 4.625%
HK$52,953
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,604/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,047
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,604
−HK$1,582/mo
Today · 4.125%
HK$53,186
baseline
▲ 0.50% · 4.625%
HK$56,422
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,372/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,677
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,171
−HK$1,514/mo
Today · 4.125%
HK$58,685
baseline
▲ 0.50% · 4.625%
HK$61,779
+HK$3,094/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,370/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,347
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,348
−HK$2,034/mo
Today · 4.125%
HK$68,382
baseline
▲ 0.50% · 4.625%
HK$72,543
+HK$4,161/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,764/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,585
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,505
−HK$1,948/mo
Today · 4.125%
HK$75,453
baseline
▲ 0.50% · 4.625%
HK$79,430
+HK$3,977/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,906/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,898 · Scale 2, in force from 26 Feb 2026)