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$35,714
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,825
−HK$1,129/mo
Today · 4.125%
HK$37,954
baseline
▲ 0.50% · 4.625%
HK$40,263
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,908/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,731
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,797
−HK$1,081/mo
Today · 4.125%
HK$41,878
baseline
▲ 0.50% · 4.625%
HK$44,085
+HK$2,207/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,756/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,857
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,190
−HK$1,354/mo
Today · 4.125%
HK$45,544
baseline
▲ 0.50% · 4.625%
HK$48,315
+HK$2,771/mo
Deposit HK$6.26M · loan HK$9.40M · min. income ≈ HK$91,088/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,678
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,956
−HK$1,298/mo
Today · 4.125%
HK$50,254
baseline
▲ 0.50% · 4.625%
HK$52,902
+HK$2,648/mo
Deposit HK$6.26M · loan HK$9.40M · min. income ≈ HK$100,508/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,999
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,555
−HK$1,580/mo
Today · 4.125%
HK$53,135
baseline
▲ 0.50% · 4.625%
HK$56,368
+HK$3,233/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,270/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,624
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,116
−HK$1,513/mo
Today · 4.125%
HK$58,629
baseline
▲ 0.50% · 4.625%
HK$61,720
+HK$3,091/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,258/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,285
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,285
−HK$2,031/mo
Today · 4.125%
HK$68,316
baseline
▲ 0.50% · 4.625%
HK$72,473
+HK$4,157/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,632/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,516
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,435
−HK$1,945/mo
Today · 4.125%
HK$75,380
baseline
▲ 0.50% · 4.625%
HK$79,354
+HK$3,974/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,760/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,334 · Scale 2, in force from 26 Feb 2026)