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$35,728
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,839
−HK$1,129/mo
Today · 4.125%
HK$37,968
baseline
▲ 0.50% · 4.625%
HK$40,278
+HK$2,310/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,936/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,747
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,813
−HK$1,081/mo
Today · 4.125%
HK$41,894
baseline
▲ 0.50% · 4.625%
HK$44,102
+HK$2,208/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,788/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,873
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,207
−HK$1,355/mo
Today · 4.125%
HK$45,562
baseline
▲ 0.50% · 4.625%
HK$48,334
+HK$2,772/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,124/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,696
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,975
−HK$1,298/mo
Today · 4.125%
HK$50,273
baseline
▲ 0.50% · 4.625%
HK$52,923
+HK$2,650/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,546/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,019
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,575
−HK$1,580/mo
Today · 4.125%
HK$53,155
baseline
▲ 0.50% · 4.625%
HK$56,390
+HK$3,235/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,310/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,645
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,138
−HK$1,514/mo
Today · 4.125%
HK$58,652
baseline
▲ 0.50% · 4.625%
HK$61,743
+HK$3,091/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,304/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,310
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,310
−HK$2,033/mo
Today · 4.125%
HK$68,343
baseline
▲ 0.50% · 4.625%
HK$72,501
+HK$4,158/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,686/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,544
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,463
−HK$1,946/mo
Today · 4.125%
HK$75,409
baseline
▲ 0.50% · 4.625%
HK$79,384
+HK$3,975/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,818/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,560 · Scale 2, in force from 26 Feb 2026)