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$35,534
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,639
−HK$1,123/mo
Today · 4.125%
HK$37,762
baseline
▲ 0.50% · 4.625%
HK$40,060
+HK$2,298/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,524/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,531
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,591
−HK$1,076/mo
Today · 4.125%
HK$41,667
baseline
▲ 0.50% · 4.625%
HK$43,863
+HK$2,196/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,334/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,641
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,967
−HK$1,348/mo
Today · 4.125%
HK$45,315
baseline
▲ 0.50% · 4.625%
HK$48,072
+HK$2,757/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,630/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,437
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,710
−HK$1,290/mo
Today · 4.125%
HK$50,000
baseline
▲ 0.50% · 4.625%
HK$52,636
+HK$2,636/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$100,000/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,747
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,295
−HK$1,572/mo
Today · 4.125%
HK$52,867
baseline
▲ 0.50% · 4.625%
HK$56,084
+HK$3,217/mo
Deposit HK$4.67M · loan HK$10.91M · min. income ≈ HK$105,734/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,344
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,828
−HK$1,506/mo
Today · 4.125%
HK$58,334
baseline
▲ 0.50% · 4.625%
HK$61,408
+HK$3,074/mo
Deposit HK$4.67M · loan HK$10.91M · min. income ≈ HK$116,668/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,961
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,951
−HK$2,021/mo
Today · 4.125%
HK$67,972
baseline
▲ 0.50% · 4.625%
HK$72,108
+HK$4,136/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,944/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,156
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,064
−HK$1,936/mo
Today · 4.125%
HK$75,000
baseline
▲ 0.50% · 4.625%
HK$78,954
+HK$3,954/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$150,000/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,374 · Scale 2, in force from 26 Feb 2026)