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$35,479
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,582
−HK$1,122/mo
Today · 4.125%
HK$37,704
baseline
▲ 0.50% · 4.625%
HK$39,998
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,408/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,470
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,528
−HK$1,074/mo
Today · 4.125%
HK$41,602
baseline
▲ 0.50% · 4.625%
HK$43,795
+HK$2,193/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,204/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,575
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,899
−HK$1,345/mo
Today · 4.125%
HK$45,244
baseline
▲ 0.50% · 4.625%
HK$47,997
+HK$2,753/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$90,488/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,364
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,634
−HK$1,289/mo
Today · 4.125%
HK$49,923
baseline
▲ 0.50% · 4.625%
HK$52,554
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$99,846/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,670
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,215
−HK$1,570/mo
Today · 4.125%
HK$52,785
baseline
▲ 0.50% · 4.625%
HK$55,997
+HK$3,212/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,570/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,258
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,740
−HK$1,503/mo
Today · 4.125%
HK$58,243
baseline
▲ 0.50% · 4.625%
HK$61,313
+HK$3,070/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,486/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,862
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,848
−HK$2,019/mo
Today · 4.125%
HK$67,867
baseline
▲ 0.50% · 4.625%
HK$71,996
+HK$4,129/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,734/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,046
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,951
−HK$1,933/mo
Today · 4.125%
HK$74,884
baseline
▲ 0.50% · 4.625%
HK$78,831
+HK$3,947/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,768/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,468 · Scale 2, in force from 26 Feb 2026)