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$35,751
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,863
−HK$1,130/mo
Today · 4.125%
HK$37,993
baseline
▲ 0.50% · 4.625%
HK$40,305
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,986/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,773
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,840
−HK$1,082/mo
Today · 4.125%
HK$41,922
baseline
▲ 0.50% · 4.625%
HK$44,132
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,844/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,902
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,236
−HK$1,356/mo
Today · 4.125%
HK$45,592
baseline
▲ 0.50% · 4.625%
HK$48,366
+HK$2,774/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,184/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,728
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,008
−HK$1,298/mo
Today · 4.125%
HK$50,306
baseline
▲ 0.50% · 4.625%
HK$52,958
+HK$2,652/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,612/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,052
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,609
−HK$1,582/mo
Today · 4.125%
HK$53,191
baseline
▲ 0.50% · 4.625%
HK$56,427
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$106,382/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,682
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,176
−HK$1,515/mo
Today · 4.125%
HK$58,691
baseline
▲ 0.50% · 4.625%
HK$61,784
+HK$3,093/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$117,382/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,352
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,354
−HK$2,034/mo
Today · 4.125%
HK$68,388
baseline
▲ 0.50% · 4.625%
HK$72,549
+HK$4,161/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,776/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,591
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,511
−HK$1,948/mo
Today · 4.125%
HK$75,459
baseline
▲ 0.50% · 4.625%
HK$79,437
+HK$3,978/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,918/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,950 · Scale 2, in force from 26 Feb 2026)