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$35,482
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,585
−HK$1,122/mo
Today · 4.125%
HK$37,707
baseline
▲ 0.50% · 4.625%
HK$40,001
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,414/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,473
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,532
−HK$1,074/mo
Today · 4.125%
HK$41,606
baseline
▲ 0.50% · 4.625%
HK$43,799
+HK$2,193/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,212/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,578
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,902
−HK$1,346/mo
Today · 4.125%
HK$45,248
baseline
▲ 0.50% · 4.625%
HK$48,001
+HK$2,753/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$90,496/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,368
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,638
−HK$1,289/mo
Today · 4.125%
HK$49,927
baseline
▲ 0.50% · 4.625%
HK$52,558
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$99,854/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,674
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,219
−HK$1,570/mo
Today · 4.125%
HK$52,789
baseline
▲ 0.50% · 4.625%
HK$56,001
+HK$3,212/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,578/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,262
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,744
−HK$1,504/mo
Today · 4.125%
HK$58,248
baseline
▲ 0.50% · 4.625%
HK$61,318
+HK$3,070/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,496/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,867
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,853
−HK$2,019/mo
Today · 4.125%
HK$67,872
baseline
▲ 0.50% · 4.625%
HK$72,002
+HK$4,130/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,744/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,051
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,957
−HK$1,933/mo
Today · 4.125%
HK$74,890
baseline
▲ 0.50% · 4.625%
HK$78,837
+HK$3,947/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,780/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,514 · Scale 2, in force from 26 Feb 2026)