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$35,774
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,887
−HK$1,131/mo
Today · 4.125%
HK$38,018
baseline
▲ 0.50% · 4.625%
HK$40,331
+HK$2,313/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,036/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,799
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,866
−HK$1,083/mo
Today · 4.125%
HK$41,949
baseline
▲ 0.50% · 4.625%
HK$44,160
+HK$2,211/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,898/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,929
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,265
−HK$1,356/mo
Today · 4.125%
HK$45,621
baseline
▲ 0.50% · 4.625%
HK$48,397
+HK$2,776/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$91,242/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,758
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,039
−HK$1,300/mo
Today · 4.125%
HK$50,339
baseline
▲ 0.50% · 4.625%
HK$52,992
+HK$2,653/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$100,678/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,084
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,642
−HK$1,583/mo
Today · 4.125%
HK$53,225
baseline
▲ 0.50% · 4.625%
HK$56,464
+HK$3,239/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,450/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,718
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,212
−HK$1,516/mo
Today · 4.125%
HK$58,728
baseline
▲ 0.50% · 4.625%
HK$61,824
+HK$3,096/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,456/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,394
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,397
−HK$2,035/mo
Today · 4.125%
HK$68,432
baseline
▲ 0.50% · 4.625%
HK$72,596
+HK$4,164/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,864/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,638
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,559
−HK$1,949/mo
Today · 4.125%
HK$75,508
baseline
▲ 0.50% · 4.625%
HK$79,488
+HK$3,980/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,016/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,329 · Scale 2, in force from 26 Feb 2026)