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$35,509
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,614
−HK$1,122/mo
Today · 4.125%
HK$37,736
baseline
▲ 0.50% · 4.625%
HK$40,032
+HK$2,296/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,472/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,504
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,563
−HK$1,075/mo
Today · 4.125%
HK$41,638
baseline
▲ 0.50% · 4.625%
HK$43,833
+HK$2,195/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,276/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,611
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,937
−HK$1,346/mo
Today · 4.125%
HK$45,283
baseline
▲ 0.50% · 4.625%
HK$48,039
+HK$2,756/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,566/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,405
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,676
−HK$1,290/mo
Today · 4.125%
HK$49,966
baseline
▲ 0.50% · 4.625%
HK$52,600
+HK$2,634/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,932/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,713
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,260
−HK$1,571/mo
Today · 4.125%
HK$52,831
baseline
▲ 0.50% · 4.625%
HK$56,045
+HK$3,214/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,662/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$583,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,305
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,789
−HK$1,504/mo
Today · 4.125%
HK$58,293
baseline
▲ 0.50% · 4.625%
HK$61,366
+HK$3,073/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,586/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$583,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,917
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,905
−HK$2,020/mo
Today · 4.125%
HK$67,925
baseline
▲ 0.50% · 4.625%
HK$72,058
+HK$4,133/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,850/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,107
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,014
−HK$1,935/mo
Today · 4.125%
HK$74,949
baseline
▲ 0.50% · 4.625%
HK$78,899
+HK$3,950/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,898/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,971 · Scale 2, in force from 26 Feb 2026)