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$35,777
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,890
−HK$1,130/mo
Today · 4.125%
HK$38,020
baseline
▲ 0.50% · 4.625%
HK$40,334
+HK$2,314/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,040/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,801
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,869
−HK$1,083/mo
Today · 4.125%
HK$41,952
baseline
▲ 0.50% · 4.625%
HK$44,163
+HK$2,211/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,904/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,932
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,267
−HK$1,357/mo
Today · 4.125%
HK$45,624
baseline
▲ 0.50% · 4.625%
HK$48,400
+HK$2,776/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$91,248/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,761
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,042
−HK$1,300/mo
Today · 4.125%
HK$50,342
baseline
▲ 0.50% · 4.625%
HK$52,995
+HK$2,653/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$100,684/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,087
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,645
−HK$1,583/mo
Today · 4.125%
HK$53,228
baseline
▲ 0.50% · 4.625%
HK$56,467
+HK$3,239/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,456/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,722
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,216
−HK$1,516/mo
Today · 4.125%
HK$58,732
baseline
▲ 0.50% · 4.625%
HK$61,828
+HK$3,096/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,464/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,398
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,401
−HK$2,035/mo
Today · 4.125%
HK$68,436
baseline
▲ 0.50% · 4.625%
HK$72,601
+HK$4,165/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,872/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,642
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,564
−HK$1,949/mo
Today · 4.125%
HK$75,513
baseline
▲ 0.50% · 4.625%
HK$79,493
+HK$3,980/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,026/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,367 · Scale 2, in force from 26 Feb 2026)