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$35,743
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,855
−HK$1,129/mo
Today · 4.125%
HK$37,984
baseline
▲ 0.50% · 4.625%
HK$40,296
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,968/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,764
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,830
−HK$1,082/mo
Today · 4.125%
HK$41,912
baseline
▲ 0.50% · 4.625%
HK$44,121
+HK$2,209/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,824/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,892
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,226
−HK$1,355/mo
Today · 4.125%
HK$45,581
baseline
▲ 0.50% · 4.625%
HK$48,355
+HK$2,774/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,162/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,716
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,996
−HK$1,298/mo
Today · 4.125%
HK$50,294
baseline
▲ 0.50% · 4.625%
HK$52,945
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,588/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,040
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,597
−HK$1,581/mo
Today · 4.125%
HK$53,178
baseline
▲ 0.50% · 4.625%
HK$56,414
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,356/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,669
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,162
−HK$1,515/mo
Today · 4.125%
HK$58,677
baseline
▲ 0.50% · 4.625%
HK$61,770
+HK$3,093/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,354/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,337
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,339
−HK$2,033/mo
Today · 4.125%
HK$68,372
baseline
▲ 0.50% · 4.625%
HK$72,532
+HK$4,160/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,744/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,575
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,494
−HK$1,948/mo
Today · 4.125%
HK$75,442
baseline
▲ 0.50% · 4.625%
HK$79,418
+HK$3,976/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,884/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,812 · Scale 2, in force from 26 Feb 2026)