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$35,678
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,787
−HK$1,128/mo
Today · 4.125%
HK$37,915
baseline
▲ 0.50% · 4.625%
HK$40,222
+HK$2,307/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,830/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,691
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,755
−HK$1,080/mo
Today · 4.125%
HK$41,835
baseline
▲ 0.50% · 4.625%
HK$44,040
+HK$2,205/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,670/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,813
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,145
−HK$1,353/mo
Today · 4.125%
HK$45,498
baseline
▲ 0.50% · 4.625%
HK$48,266
+HK$2,768/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$90,996/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,629
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,906
−HK$1,296/mo
Today · 4.125%
HK$50,202
baseline
▲ 0.50% · 4.625%
HK$52,849
+HK$2,647/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,404/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,949
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,502
−HK$1,579/mo
Today · 4.125%
HK$53,081
baseline
▲ 0.50% · 4.625%
HK$56,311
+HK$3,230/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,162/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,567
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,058
−HK$1,511/mo
Today · 4.125%
HK$58,569
baseline
▲ 0.50% · 4.625%
HK$61,657
+HK$3,088/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,138/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,220
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,217
−HK$2,030/mo
Today · 4.125%
HK$68,247
baseline
▲ 0.50% · 4.625%
HK$72,399
+HK$4,152/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,494/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,444
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,360
−HK$1,943/mo
Today · 4.125%
HK$75,303
baseline
▲ 0.50% · 4.625%
HK$79,273
+HK$3,970/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,606/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,736 · Scale 2, in force from 26 Feb 2026)