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$35,698
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,808
−HK$1,128/mo
Today · 4.125%
HK$37,936
baseline
▲ 0.50% · 4.625%
HK$40,245
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,872/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$587,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,714
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,779
−HK$1,080/mo
Today · 4.125%
HK$41,859
baseline
▲ 0.50% · 4.625%
HK$44,066
+HK$2,207/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,718/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$587,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,837
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,170
−HK$1,354/mo
Today · 4.125%
HK$45,524
baseline
▲ 0.50% · 4.625%
HK$48,294
+HK$2,770/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,048/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,656
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,934
−HK$1,297/mo
Today · 4.125%
HK$50,231
baseline
▲ 0.50% · 4.625%
HK$52,879
+HK$2,648/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,462/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,977
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,532
−HK$1,579/mo
Today · 4.125%
HK$53,111
baseline
▲ 0.50% · 4.625%
HK$56,343
+HK$3,232/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,222/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,599
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,090
−HK$1,513/mo
Today · 4.125%
HK$58,603
baseline
▲ 0.50% · 4.625%
HK$61,692
+HK$3,089/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,206/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,256
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,255
−HK$2,031/mo
Today · 4.125%
HK$68,286
baseline
▲ 0.50% · 4.625%
HK$72,441
+HK$4,155/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,572/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,484
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,402
−HK$1,944/mo
Today · 4.125%
HK$75,346
baseline
▲ 0.50% · 4.625%
HK$79,318
+HK$3,972/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,692/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,071 · Scale 2, in force from 26 Feb 2026)