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$35,527
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,632
−HK$1,123/mo
Today · 4.125%
HK$37,755
baseline
▲ 0.50% · 4.625%
HK$40,052
+HK$2,297/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,510/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,523
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,583
−HK$1,076/mo
Today · 4.125%
HK$41,659
baseline
▲ 0.50% · 4.625%
HK$43,855
+HK$2,196/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,318/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,632
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,958
−HK$1,348/mo
Today · 4.125%
HK$45,306
baseline
▲ 0.50% · 4.625%
HK$48,062
+HK$2,756/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,612/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,428
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,700
−HK$1,290/mo
Today · 4.125%
HK$49,990
baseline
▲ 0.50% · 4.625%
HK$52,625
+HK$2,635/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$99,980/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,738
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,285
−HK$1,572/mo
Today · 4.125%
HK$52,857
baseline
▲ 0.50% · 4.625%
HK$56,073
+HK$3,216/mo
Deposit HK$4.67M · loan HK$10.91M · min. income ≈ HK$105,714/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,333
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,817
−HK$1,505/mo
Today · 4.125%
HK$58,322
baseline
▲ 0.50% · 4.625%
HK$61,396
+HK$3,074/mo
Deposit HK$4.67M · loan HK$10.91M · min. income ≈ HK$116,644/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,948
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,938
−HK$2,021/mo
Today · 4.125%
HK$67,959
baseline
▲ 0.50% · 4.625%
HK$72,094
+HK$4,135/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,918/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,142
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,050
−HK$1,936/mo
Today · 4.125%
HK$74,986
baseline
▲ 0.50% · 4.625%
HK$78,938
+HK$3,952/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,972/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,259 · Scale 2, in force from 26 Feb 2026)