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$35,746
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,858
−HK$1,130/mo
Today · 4.125%
HK$37,988
baseline
▲ 0.50% · 4.625%
HK$40,299
+HK$2,311/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,976/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,767
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,834
−HK$1,081/mo
Today · 4.125%
HK$41,915
baseline
▲ 0.50% · 4.625%
HK$44,125
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,830/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,895
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,229
−HK$1,356/mo
Today · 4.125%
HK$45,585
baseline
▲ 0.50% · 4.625%
HK$48,359
+HK$2,774/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,170/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,720
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,000
−HK$1,299/mo
Today · 4.125%
HK$50,299
baseline
▲ 0.50% · 4.625%
HK$52,950
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,598/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,044
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,601
−HK$1,582/mo
Today · 4.125%
HK$53,183
baseline
▲ 0.50% · 4.625%
HK$56,419
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,366/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,674
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,167
−HK$1,515/mo
Today · 4.125%
HK$58,682
baseline
▲ 0.50% · 4.625%
HK$61,775
+HK$3,093/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,364/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,343
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,344
−HK$2,034/mo
Today · 4.125%
HK$68,378
baseline
▲ 0.50% · 4.625%
HK$72,538
+HK$4,160/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,756/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,581
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,500
−HK$1,948/mo
Today · 4.125%
HK$75,448
baseline
▲ 0.50% · 4.625%
HK$79,425
+HK$3,977/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,896/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,861 · Scale 2, in force from 26 Feb 2026)