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$35,523
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,628
−HK$1,122/mo
Today · 4.125%
HK$37,750
baseline
▲ 0.50% · 4.625%
HK$40,047
+HK$2,297/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,500/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,519
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,578
−HK$1,076/mo
Today · 4.125%
HK$41,654
baseline
▲ 0.50% · 4.625%
HK$43,849
+HK$2,195/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,308/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,627
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,953
−HK$1,347/mo
Today · 4.125%
HK$45,300
baseline
▲ 0.50% · 4.625%
HK$48,057
+HK$2,757/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,600/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,422
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,694
−HK$1,290/mo
Today · 4.125%
HK$49,984
baseline
▲ 0.50% · 4.625%
HK$52,619
+HK$2,635/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$99,968/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,732
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,279
−HK$1,571/mo
Today · 4.125%
HK$52,850
baseline
▲ 0.50% · 4.625%
HK$56,066
+HK$3,216/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,700/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,326
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,810
−HK$1,505/mo
Today · 4.125%
HK$58,315
baseline
▲ 0.50% · 4.625%
HK$61,389
+HK$3,074/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,630/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,941
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,930
−HK$2,020/mo
Today · 4.125%
HK$67,950
baseline
▲ 0.50% · 4.625%
HK$72,085
+HK$4,135/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,900/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,133
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,041
−HK$1,935/mo
Today · 4.125%
HK$74,976
baseline
▲ 0.50% · 4.625%
HK$78,929
+HK$3,953/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,952/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,188 · Scale 2, in force from 26 Feb 2026)