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$35,747
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,859
−HK$1,129/mo
Today · 4.125%
HK$37,988
baseline
▲ 0.50% · 4.625%
HK$40,300
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,976/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,768
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,834
−HK$1,082/mo
Today · 4.125%
HK$41,916
baseline
▲ 0.50% · 4.625%
HK$44,126
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,832/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,896
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,230
−HK$1,356/mo
Today · 4.125%
HK$45,586
baseline
▲ 0.50% · 4.625%
HK$48,360
+HK$2,774/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,172/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,721
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,001
−HK$1,299/mo
Today · 4.125%
HK$50,300
baseline
▲ 0.50% · 4.625%
HK$52,951
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,600/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,045
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,602
−HK$1,582/mo
Today · 4.125%
HK$53,184
baseline
▲ 0.50% · 4.625%
HK$56,420
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,368/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,675
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,168
−HK$1,515/mo
Today · 4.125%
HK$58,683
baseline
▲ 0.50% · 4.625%
HK$61,776
+HK$3,093/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,366/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,344
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,346
−HK$2,033/mo
Today · 4.125%
HK$68,379
baseline
▲ 0.50% · 4.625%
HK$72,540
+HK$4,161/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,758/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,582
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,502
−HK$1,948/mo
Today · 4.125%
HK$75,450
baseline
▲ 0.50% · 4.625%
HK$79,427
+HK$3,977/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,900/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,874 · Scale 2, in force from 26 Feb 2026)