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$35,517
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,621
−HK$1,123/mo
Today · 4.125%
HK$37,744
baseline
▲ 0.50% · 4.625%
HK$40,040
+HK$2,296/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,488/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,512
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,572
−HK$1,075/mo
Today · 4.125%
HK$41,647
baseline
▲ 0.50% · 4.625%
HK$43,842
+HK$2,195/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,294/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,620
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,946
−HK$1,347/mo
Today · 4.125%
HK$45,293
baseline
▲ 0.50% · 4.625%
HK$48,049
+HK$2,756/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,586/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$584,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,414
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,686
−HK$1,290/mo
Today · 4.125%
HK$49,976
baseline
▲ 0.50% · 4.625%
HK$52,610
+HK$2,634/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$99,952/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$584,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,723
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,270
−HK$1,571/mo
Today · 4.125%
HK$52,841
baseline
▲ 0.50% · 4.625%
HK$56,057
+HK$3,216/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,682/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,317
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,800
−HK$1,505/mo
Today · 4.125%
HK$58,305
baseline
▲ 0.50% · 4.625%
HK$61,379
+HK$3,074/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,610/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,930
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,918
−HK$2,021/mo
Today · 4.125%
HK$67,939
baseline
▲ 0.50% · 4.625%
HK$72,073
+HK$4,134/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,878/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,121
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,029
−HK$1,935/mo
Today · 4.125%
HK$74,964
baseline
▲ 0.50% · 4.625%
HK$78,915
+HK$3,951/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,928/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,090 · Scale 2, in force from 26 Feb 2026)