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$35,702
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,813
−HK$1,128/mo
Today · 4.125%
HK$37,941
baseline
▲ 0.50% · 4.625%
HK$40,250
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,882/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,719
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,784
−HK$1,080/mo
Today · 4.125%
HK$41,864
baseline
▲ 0.50% · 4.625%
HK$44,071
+HK$2,207/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,728/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,843
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,176
−HK$1,354/mo
Today · 4.125%
HK$45,530
baseline
▲ 0.50% · 4.625%
HK$48,300
+HK$2,770/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,060/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,662
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,941
−HK$1,296/mo
Today · 4.125%
HK$50,237
baseline
▲ 0.50% · 4.625%
HK$52,885
+HK$2,648/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,474/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,983
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,538
−HK$1,580/mo
Today · 4.125%
HK$53,118
baseline
▲ 0.50% · 4.625%
HK$56,350
+HK$3,232/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,236/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,606
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,097
−HK$1,513/mo
Today · 4.125%
HK$58,610
baseline
▲ 0.50% · 4.625%
HK$61,700
+HK$3,090/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,220/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,264
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,263
−HK$2,031/mo
Today · 4.125%
HK$68,294
baseline
▲ 0.50% · 4.625%
HK$72,450
+HK$4,156/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,588/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,494
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,411
−HK$1,945/mo
Today · 4.125%
HK$75,356
baseline
▲ 0.50% · 4.625%
HK$79,328
+HK$3,972/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,712/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,146 · Scale 2, in force from 26 Feb 2026)