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$35,511
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,616
−HK$1,122/mo
Today · 4.125%
HK$37,738
baseline
▲ 0.50% · 4.625%
HK$40,034
+HK$2,296/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,476/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,506
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,565
−HK$1,075/mo
Today · 4.125%
HK$41,640
baseline
▲ 0.50% · 4.625%
HK$43,835
+HK$2,195/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,280/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,614
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,939
−HK$1,347/mo
Today · 4.125%
HK$45,286
baseline
▲ 0.50% · 4.625%
HK$48,041
+HK$2,755/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,572/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$584,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,407
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,679
−HK$1,289/mo
Today · 4.125%
HK$49,968
baseline
▲ 0.50% · 4.625%
HK$52,602
+HK$2,634/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,936/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$584,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,716
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,262
−HK$1,571/mo
Today · 4.125%
HK$52,833
baseline
▲ 0.50% · 4.625%
HK$56,048
+HK$3,215/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,666/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,308
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,792
−HK$1,504/mo
Today · 4.125%
HK$58,296
baseline
▲ 0.50% · 4.625%
HK$61,369
+HK$3,073/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,592/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,920
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,909
−HK$2,020/mo
Today · 4.125%
HK$67,929
baseline
▲ 0.50% · 4.625%
HK$72,062
+HK$4,133/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,858/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,111
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,018
−HK$1,935/mo
Today · 4.125%
HK$74,953
baseline
▲ 0.50% · 4.625%
HK$78,903
+HK$3,950/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,906/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,002 · Scale 2, in force from 26 Feb 2026)