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$35,545
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,650
−HK$1,124/mo
Today · 4.125%
HK$37,774
baseline
▲ 0.50% · 4.625%
HK$40,072
+HK$2,298/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,548/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,543
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,604
−HK$1,075/mo
Today · 4.125%
HK$41,679
baseline
▲ 0.50% · 4.625%
HK$43,876
+HK$2,197/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,358/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,654
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,980
−HK$1,348/mo
Today · 4.125%
HK$45,328
baseline
▲ 0.50% · 4.625%
HK$48,086
+HK$2,758/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$90,656/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,452
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,724
−HK$1,291/mo
Today · 4.125%
HK$50,015
baseline
▲ 0.50% · 4.625%
HK$52,652
+HK$2,637/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$100,030/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,762
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,310
−HK$1,573/mo
Today · 4.125%
HK$52,883
baseline
▲ 0.50% · 4.625%
HK$56,101
+HK$3,218/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,766/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,360
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,845
−HK$1,506/mo
Today · 4.125%
HK$58,351
baseline
▲ 0.50% · 4.625%
HK$61,427
+HK$3,076/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,702/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,980
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,970
−HK$2,022/mo
Today · 4.125%
HK$67,992
baseline
▲ 0.50% · 4.625%
HK$72,130
+HK$4,138/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$135,984/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,177
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,086
−HK$1,937/mo
Today · 4.125%
HK$75,023
baseline
▲ 0.50% · 4.625%
HK$78,977
+HK$3,954/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,046/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,550 · Scale 2, in force from 26 Feb 2026)