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$35,491
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,595
−HK$1,122/mo
Today · 4.125%
HK$37,717
baseline
▲ 0.50% · 4.625%
HK$40,012
+HK$2,295/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,434/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,484
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,543
−HK$1,074/mo
Today · 4.125%
HK$41,617
baseline
▲ 0.50% · 4.625%
HK$43,811
+HK$2,194/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,234/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,590
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,914
−HK$1,346/mo
Today · 4.125%
HK$45,260
baseline
▲ 0.50% · 4.625%
HK$48,014
+HK$2,754/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,520/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,381
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,651
−HK$1,289/mo
Today · 4.125%
HK$49,940
baseline
▲ 0.50% · 4.625%
HK$52,573
+HK$2,633/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,880/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,688
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,234
−HK$1,570/mo
Today · 4.125%
HK$52,804
baseline
▲ 0.50% · 4.625%
HK$56,017
+HK$3,213/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,608/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,277
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,760
−HK$1,504/mo
Today · 4.125%
HK$58,264
baseline
▲ 0.50% · 4.625%
HK$61,335
+HK$3,071/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,528/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,885
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,872
−HK$2,019/mo
Today · 4.125%
HK$67,891
baseline
▲ 0.50% · 4.625%
HK$72,022
+HK$4,131/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$135,782/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,071
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,977
−HK$1,934/mo
Today · 4.125%
HK$74,911
baseline
▲ 0.50% · 4.625%
HK$78,859
+HK$3,948/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$149,822/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,675 · Scale 2, in force from 26 Feb 2026)