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$35,712
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,823
−HK$1,129/mo
Today · 4.125%
HK$37,952
baseline
▲ 0.50% · 4.625%
HK$40,261
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,904/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,730
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,795
−HK$1,081/mo
Today · 4.125%
HK$41,876
baseline
▲ 0.50% · 4.625%
HK$44,084
+HK$2,208/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,752/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,855
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,188
−HK$1,354/mo
Today · 4.125%
HK$45,542
baseline
▲ 0.50% · 4.625%
HK$48,313
+HK$2,771/mo
Deposit HK$6.26M · loan HK$9.40M · min. income ≈ HK$91,084/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,676
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,954
−HK$1,297/mo
Today · 4.125%
HK$50,251
baseline
▲ 0.50% · 4.625%
HK$52,900
+HK$2,649/mo
Deposit HK$6.26M · loan HK$9.40M · min. income ≈ HK$100,502/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,997
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,553
−HK$1,580/mo
Today · 4.125%
HK$53,133
baseline
▲ 0.50% · 4.625%
HK$56,366
+HK$3,233/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,266/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,622
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,113
−HK$1,514/mo
Today · 4.125%
HK$58,627
baseline
▲ 0.50% · 4.625%
HK$61,717
+HK$3,090/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,254/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,282
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,282
−HK$2,031/mo
Today · 4.125%
HK$68,313
baseline
▲ 0.50% · 4.625%
HK$72,470
+HK$4,157/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,626/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,513
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,431
−HK$1,946/mo
Today · 4.125%
HK$75,377
baseline
▲ 0.50% · 4.625%
HK$79,350
+HK$3,973/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,754/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,309 · Scale 2, in force from 26 Feb 2026)