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$35,520
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,625
−HK$1,123/mo
Today · 4.125%
HK$37,748
baseline
▲ 0.50% · 4.625%
HK$40,044
+HK$2,296/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,496/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,516
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,576
−HK$1,075/mo
Today · 4.125%
HK$41,651
baseline
▲ 0.50% · 4.625%
HK$43,846
+HK$2,195/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,302/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,624
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,950
−HK$1,347/mo
Today · 4.125%
HK$45,297
baseline
▲ 0.50% · 4.625%
HK$48,053
+HK$2,756/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,594/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,419
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,691
−HK$1,290/mo
Today · 4.125%
HK$49,981
baseline
▲ 0.50% · 4.625%
HK$52,616
+HK$2,635/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$99,962/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,728
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,275
−HK$1,572/mo
Today · 4.125%
HK$52,847
baseline
▲ 0.50% · 4.625%
HK$56,062
+HK$3,215/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,694/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,322
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,806
−HK$1,505/mo
Today · 4.125%
HK$58,311
baseline
▲ 0.50% · 4.625%
HK$61,385
+HK$3,074/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,622/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,936
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,925
−HK$2,021/mo
Today · 4.125%
HK$67,946
baseline
▲ 0.50% · 4.625%
HK$72,080
+HK$4,134/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,892/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,129
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,036
−HK$1,935/mo
Today · 4.125%
HK$74,971
baseline
▲ 0.50% · 4.625%
HK$78,923
+HK$3,952/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,942/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,149 · Scale 2, in force from 26 Feb 2026)