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$35,523
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,628
−HK$1,123/mo
Today · 4.125%
HK$37,751
baseline
▲ 0.50% · 4.625%
HK$40,048
+HK$2,297/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,502/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,519
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,579
−HK$1,075/mo
Today · 4.125%
HK$41,654
baseline
▲ 0.50% · 4.625%
HK$43,850
+HK$2,196/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,308/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,628
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,954
−HK$1,347/mo
Today · 4.125%
HK$45,301
baseline
▲ 0.50% · 4.625%
HK$48,057
+HK$2,756/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,602/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,423
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,695
−HK$1,290/mo
Today · 4.125%
HK$49,985
baseline
▲ 0.50% · 4.625%
HK$52,620
+HK$2,635/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$99,970/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,732
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,279
−HK$1,572/mo
Today · 4.125%
HK$52,851
baseline
▲ 0.50% · 4.625%
HK$56,067
+HK$3,216/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,702/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,327
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,810
−HK$1,506/mo
Today · 4.125%
HK$58,316
baseline
▲ 0.50% · 4.625%
HK$61,390
+HK$3,074/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,632/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,941
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,930
−HK$2,021/mo
Today · 4.125%
HK$67,951
baseline
▲ 0.50% · 4.625%
HK$72,086
+HK$4,135/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,902/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,134
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,042
−HK$1,935/mo
Today · 4.125%
HK$74,977
baseline
▲ 0.50% · 4.625%
HK$78,930
+HK$3,953/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,954/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,195 · Scale 2, in force from 26 Feb 2026)