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$35,732
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,843
−HK$1,129/mo
Today · 4.125%
HK$37,972
baseline
▲ 0.50% · 4.625%
HK$40,283
+HK$2,311/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,944/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,751
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,817
−HK$1,082/mo
Today · 4.125%
HK$41,899
baseline
▲ 0.50% · 4.625%
HK$44,107
+HK$2,208/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,798/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,878
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,212
−HK$1,355/mo
Today · 4.125%
HK$45,567
baseline
▲ 0.50% · 4.625%
HK$48,339
+HK$2,772/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,134/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,701
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,981
−HK$1,297/mo
Today · 4.125%
HK$50,278
baseline
▲ 0.50% · 4.625%
HK$52,929
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,556/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,024
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,580
−HK$1,581/mo
Today · 4.125%
HK$53,161
baseline
▲ 0.50% · 4.625%
HK$56,396
+HK$3,235/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,322/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,651
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,144
−HK$1,514/mo
Today · 4.125%
HK$58,658
baseline
▲ 0.50% · 4.625%
HK$61,750
+HK$3,092/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,316/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,317
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,317
−HK$2,033/mo
Today · 4.125%
HK$68,350
baseline
▲ 0.50% · 4.625%
HK$72,509
+HK$4,159/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,700/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,552
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,471
−HK$1,947/mo
Today · 4.125%
HK$75,418
baseline
▲ 0.50% · 4.625%
HK$79,393
+HK$3,975/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,836/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,625 · Scale 2, in force from 26 Feb 2026)