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$35,499
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,603
−HK$1,122/mo
Today · 4.125%
HK$37,725
baseline
▲ 0.50% · 4.625%
HK$40,021
+HK$2,296/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,450/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,493
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,552
−HK$1,074/mo
Today · 4.125%
HK$41,626
baseline
▲ 0.50% · 4.625%
HK$43,820
+HK$2,194/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,252/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,599
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,924
−HK$1,346/mo
Today · 4.125%
HK$45,270
baseline
▲ 0.50% · 4.625%
HK$48,025
+HK$2,755/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,540/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,391
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,662
−HK$1,289/mo
Today · 4.125%
HK$49,951
baseline
▲ 0.50% · 4.625%
HK$52,584
+HK$2,633/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,902/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,699
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,245
−HK$1,571/mo
Today · 4.125%
HK$52,816
baseline
▲ 0.50% · 4.625%
HK$56,029
+HK$3,213/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,632/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,290
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,772
−HK$1,505/mo
Today · 4.125%
HK$58,277
baseline
▲ 0.50% · 4.625%
HK$61,349
+HK$3,072/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,554/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,899
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,886
−HK$2,020/mo
Today · 4.125%
HK$67,906
baseline
▲ 0.50% · 4.625%
HK$72,038
+HK$4,132/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$135,812/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,087
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,993
−HK$1,934/mo
Today · 4.125%
HK$74,927
baseline
▲ 0.50% · 4.625%
HK$78,877
+HK$3,950/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$149,854/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,804 · Scale 2, in force from 26 Feb 2026)