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$35,745
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,857
−HK$1,129/mo
Today · 4.125%
HK$37,986
baseline
▲ 0.50% · 4.625%
HK$40,298
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,972/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,766
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,832
−HK$1,082/mo
Today · 4.125%
HK$41,914
baseline
▲ 0.50% · 4.625%
HK$44,124
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,828/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,894
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,228
−HK$1,356/mo
Today · 4.125%
HK$45,584
baseline
▲ 0.50% · 4.625%
HK$48,357
+HK$2,773/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,168/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,719
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,999
−HK$1,298/mo
Today · 4.125%
HK$50,297
baseline
▲ 0.50% · 4.625%
HK$52,948
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,594/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,043
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,600
−HK$1,581/mo
Today · 4.125%
HK$53,181
baseline
▲ 0.50% · 4.625%
HK$56,417
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,362/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,672
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,165
−HK$1,515/mo
Today · 4.125%
HK$58,680
baseline
▲ 0.50% · 4.625%
HK$61,773
+HK$3,093/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,360/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,341
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,342
−HK$2,034/mo
Today · 4.125%
HK$68,376
baseline
▲ 0.50% · 4.625%
HK$72,536
+HK$4,160/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,752/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,579
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,498
−HK$1,948/mo
Today · 4.125%
HK$75,446
baseline
▲ 0.50% · 4.625%
HK$79,423
+HK$3,977/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,892/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,845 · Scale 2, in force from 26 Feb 2026)