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$35,743
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,855
−HK$1,130/mo
Today · 4.125%
HK$37,985
baseline
▲ 0.50% · 4.625%
HK$40,296
+HK$2,311/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,970/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,764
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,831
−HK$1,082/mo
Today · 4.125%
HK$41,913
baseline
▲ 0.50% · 4.625%
HK$44,122
+HK$2,209/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,826/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,892
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,226
−HK$1,356/mo
Today · 4.125%
HK$45,582
baseline
▲ 0.50% · 4.625%
HK$48,355
+HK$2,773/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,164/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,717
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,997
−HK$1,298/mo
Today · 4.125%
HK$50,295
baseline
▲ 0.50% · 4.625%
HK$52,946
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,590/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,041
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,597
−HK$1,582/mo
Today · 4.125%
HK$53,179
baseline
▲ 0.50% · 4.625%
HK$56,415
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,358/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,670
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,163
−HK$1,515/mo
Today · 4.125%
HK$58,678
baseline
▲ 0.50% · 4.625%
HK$61,771
+HK$3,093/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,356/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,338
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,339
−HK$2,034/mo
Today · 4.125%
HK$68,373
baseline
▲ 0.50% · 4.625%
HK$72,533
+HK$4,160/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,746/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,576
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,495
−HK$1,948/mo
Today · 4.125%
HK$75,443
baseline
▲ 0.50% · 4.625%
HK$79,419
+HK$3,976/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,886/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,820 · Scale 2, in force from 26 Feb 2026)