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$35,731
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,842
−HK$1,129/mo
Today · 4.125%
HK$37,971
baseline
▲ 0.50% · 4.625%
HK$40,282
+HK$2,311/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,942/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,750
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,816
−HK$1,082/mo
Today · 4.125%
HK$41,898
baseline
▲ 0.50% · 4.625%
HK$44,106
+HK$2,208/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,796/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,877
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,211
−HK$1,355/mo
Today · 4.125%
HK$45,566
baseline
▲ 0.50% · 4.625%
HK$48,338
+HK$2,772/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,132/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,700
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,980
−HK$1,297/mo
Today · 4.125%
HK$50,277
baseline
▲ 0.50% · 4.625%
HK$52,927
+HK$2,650/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,554/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,023
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,579
−HK$1,581/mo
Today · 4.125%
HK$53,160
baseline
▲ 0.50% · 4.625%
HK$56,395
+HK$3,235/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,320/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,650
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,143
−HK$1,514/mo
Today · 4.125%
HK$58,657
baseline
▲ 0.50% · 4.625%
HK$61,749
+HK$3,092/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,314/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,315
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,316
−HK$2,033/mo
Today · 4.125%
HK$68,349
baseline
▲ 0.50% · 4.625%
HK$72,507
+HK$4,158/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,698/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,550
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,469
−HK$1,947/mo
Today · 4.125%
HK$75,416
baseline
▲ 0.50% · 4.625%
HK$79,391
+HK$3,975/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,832/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,612 · Scale 2, in force from 26 Feb 2026)