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$35,785
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,898
−HK$1,131/mo
Today · 4.125%
HK$38,029
baseline
▲ 0.50% · 4.625%
HK$40,343
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,058/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,810
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,878
−HK$1,083/mo
Today · 4.125%
HK$41,961
baseline
▲ 0.50% · 4.625%
HK$44,173
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,922/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,942
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,278
−HK$1,357/mo
Today · 4.125%
HK$45,635
baseline
▲ 0.50% · 4.625%
HK$48,412
+HK$2,777/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,270/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,773
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,054
−HK$1,300/mo
Today · 4.125%
HK$50,354
baseline
▲ 0.50% · 4.625%
HK$53,008
+HK$2,654/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,708/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,099
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,657
−HK$1,584/mo
Today · 4.125%
HK$53,241
baseline
▲ 0.50% · 4.625%
HK$56,480
+HK$3,239/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,482/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,735
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,229
−HK$1,517/mo
Today · 4.125%
HK$58,746
baseline
▲ 0.50% · 4.625%
HK$61,842
+HK$3,096/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,492/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,413
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,417
−HK$2,035/mo
Today · 4.125%
HK$68,452
baseline
▲ 0.50% · 4.625%
HK$72,617
+HK$4,165/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,904/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,659
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,581
−HK$1,949/mo
Today · 4.125%
HK$75,530
baseline
▲ 0.50% · 4.625%
HK$79,512
+HK$3,982/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,060/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,503 · Scale 2, in force from 26 Feb 2026)