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$35,507
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,611
−HK$1,122/mo
Today · 4.125%
HK$37,733
baseline
▲ 0.50% · 4.625%
HK$40,029
+HK$2,296/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,466/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,501
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,560
−HK$1,075/mo
Today · 4.125%
HK$41,635
baseline
▲ 0.50% · 4.625%
HK$43,830
+HK$2,195/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,270/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,608
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,934
−HK$1,346/mo
Today · 4.125%
HK$45,280
baseline
▲ 0.50% · 4.625%
HK$48,035
+HK$2,755/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,560/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,401
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,672
−HK$1,290/mo
Today · 4.125%
HK$49,962
baseline
▲ 0.50% · 4.625%
HK$52,596
+HK$2,634/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,924/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,710
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,256
−HK$1,571/mo
Today · 4.125%
HK$52,827
baseline
▲ 0.50% · 4.625%
HK$56,041
+HK$3,214/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,654/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$583,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,301
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,785
−HK$1,504/mo
Today · 4.125%
HK$58,289
baseline
▲ 0.50% · 4.625%
HK$61,362
+HK$3,073/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,578/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$583,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,912
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,900
−HK$2,020/mo
Today · 4.125%
HK$67,920
baseline
▲ 0.50% · 4.625%
HK$72,053
+HK$4,133/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$135,840/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,102
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,009
−HK$1,934/mo
Today · 4.125%
HK$74,943
baseline
▲ 0.50% · 4.625%
HK$78,894
+HK$3,951/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$149,886/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,928 · Scale 2, in force from 26 Feb 2026)