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$35,485
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,588
−HK$1,122/mo
Today · 4.125%
HK$37,710
baseline
▲ 0.50% · 4.625%
HK$40,004
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,420/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,476
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,535
−HK$1,074/mo
Today · 4.125%
HK$41,609
baseline
▲ 0.50% · 4.625%
HK$43,802
+HK$2,193/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,218/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,582
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,906
−HK$1,346/mo
Today · 4.125%
HK$45,252
baseline
▲ 0.50% · 4.625%
HK$48,005
+HK$2,753/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$90,504/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,372
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,642
−HK$1,289/mo
Today · 4.125%
HK$49,931
baseline
▲ 0.50% · 4.625%
HK$52,563
+HK$2,632/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$99,862/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,678
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,224
−HK$1,570/mo
Today · 4.125%
HK$52,794
baseline
▲ 0.50% · 4.625%
HK$56,006
+HK$3,212/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,588/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,267
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,749
−HK$1,504/mo
Today · 4.125%
HK$58,253
baseline
▲ 0.50% · 4.625%
HK$61,323
+HK$3,070/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,506/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,872
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,859
−HK$2,019/mo
Today · 4.125%
HK$67,878
baseline
▲ 0.50% · 4.625%
HK$72,008
+HK$4,130/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$135,756/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,057
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,963
−HK$1,933/mo
Today · 4.125%
HK$74,896
baseline
▲ 0.50% · 4.625%
HK$78,844
+HK$3,948/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$149,792/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,564 · Scale 2, in force from 26 Feb 2026)