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$35,542
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,648
−HK$1,123/mo
Today · 4.125%
HK$37,771
baseline
▲ 0.50% · 4.625%
HK$40,070
+HK$2,299/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,542/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,541
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,601
−HK$1,076/mo
Today · 4.125%
HK$41,677
baseline
▲ 0.50% · 4.625%
HK$43,874
+HK$2,197/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,354/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,651
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,978
−HK$1,348/mo
Today · 4.125%
HK$45,326
baseline
▲ 0.50% · 4.625%
HK$48,083
+HK$2,757/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,652/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,449
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,721
−HK$1,291/mo
Today · 4.125%
HK$50,012
baseline
▲ 0.50% · 4.625%
HK$52,648
+HK$2,636/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$100,024/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,759
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,307
−HK$1,573/mo
Today · 4.125%
HK$52,880
baseline
▲ 0.50% · 4.625%
HK$56,097
+HK$3,217/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,760/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,357
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,842
−HK$1,506/mo
Today · 4.125%
HK$58,348
baseline
▲ 0.50% · 4.625%
HK$61,423
+HK$3,075/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,696/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,976
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,966
−HK$2,022/mo
Today · 4.125%
HK$67,988
baseline
▲ 0.50% · 4.625%
HK$72,125
+HK$4,137/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$135,976/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,173
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,082
−HK$1,936/mo
Today · 4.125%
HK$75,018
baseline
▲ 0.50% · 4.625%
HK$78,973
+HK$3,955/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,036/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,515 · Scale 2, in force from 26 Feb 2026)