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$35,741
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,853
−HK$1,130/mo
Today · 4.125%
HK$37,983
baseline
▲ 0.50% · 4.625%
HK$40,294
+HK$2,311/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,966/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,762
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,828
−HK$1,082/mo
Today · 4.125%
HK$41,910
baseline
▲ 0.50% · 4.625%
HK$44,119
+HK$2,209/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,820/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,890
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,224
−HK$1,355/mo
Today · 4.125%
HK$45,579
baseline
▲ 0.50% · 4.625%
HK$48,353
+HK$2,774/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,158/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,714
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,994
−HK$1,298/mo
Today · 4.125%
HK$50,292
baseline
▲ 0.50% · 4.625%
HK$52,943
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,584/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,038
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,594
−HK$1,582/mo
Today · 4.125%
HK$53,176
baseline
▲ 0.50% · 4.625%
HK$56,411
+HK$3,235/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,352/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,667
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,160
−HK$1,514/mo
Today · 4.125%
HK$58,674
baseline
▲ 0.50% · 4.625%
HK$61,767
+HK$3,093/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,348/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,334
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,336
−HK$2,033/mo
Today · 4.125%
HK$68,369
baseline
▲ 0.50% · 4.625%
HK$72,529
+HK$4,160/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,738/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,571
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,491
−HK$1,947/mo
Today · 4.125%
HK$75,438
baseline
▲ 0.50% · 4.625%
HK$79,415
+HK$3,977/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,876/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,785 · Scale 2, in force from 26 Feb 2026)