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$35,715
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,826
−HK$1,129/mo
Today · 4.125%
HK$37,955
baseline
▲ 0.50% · 4.625%
HK$40,264
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,910/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,733
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,798
−HK$1,081/mo
Today · 4.125%
HK$41,879
baseline
▲ 0.50% · 4.625%
HK$44,087
+HK$2,208/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,758/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,858
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,191
−HK$1,355/mo
Today · 4.125%
HK$45,546
baseline
▲ 0.50% · 4.625%
HK$48,317
+HK$2,771/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,092/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,679
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,958
−HK$1,297/mo
Today · 4.125%
HK$50,255
baseline
▲ 0.50% · 4.625%
HK$52,904
+HK$2,649/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,510/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,001
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,556
−HK$1,581/mo
Today · 4.125%
HK$53,137
baseline
▲ 0.50% · 4.625%
HK$56,370
+HK$3,233/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,274/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,626
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,118
−HK$1,513/mo
Today · 4.125%
HK$58,631
baseline
▲ 0.50% · 4.625%
HK$61,722
+HK$3,091/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,262/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,287
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,287
−HK$2,032/mo
Today · 4.125%
HK$68,319
baseline
▲ 0.50% · 4.625%
HK$72,476
+HK$4,157/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,638/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,519
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,437
−HK$1,946/mo
Today · 4.125%
HK$75,383
baseline
▲ 0.50% · 4.625%
HK$79,356
+HK$3,973/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,766/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,354 · Scale 2, in force from 26 Feb 2026)