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$35,753
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,865
−HK$1,130/mo
Today · 4.125%
HK$37,995
baseline
▲ 0.50% · 4.625%
HK$40,307
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,990/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,775
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,842
−HK$1,082/mo
Today · 4.125%
HK$41,924
baseline
▲ 0.50% · 4.625%
HK$44,134
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,848/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,904
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,239
−HK$1,355/mo
Today · 4.125%
HK$45,594
baseline
▲ 0.50% · 4.625%
HK$48,369
+HK$2,775/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,188/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,730
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,010
−HK$1,299/mo
Today · 4.125%
HK$50,309
baseline
▲ 0.50% · 4.625%
HK$52,961
+HK$2,652/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,618/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,055
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,612
−HK$1,581/mo
Today · 4.125%
HK$53,193
baseline
▲ 0.50% · 4.625%
HK$56,430
+HK$3,237/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$106,386/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,685
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,179
−HK$1,515/mo
Today · 4.125%
HK$58,694
baseline
▲ 0.50% · 4.625%
HK$61,788
+HK$3,094/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$117,388/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,356
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,358
−HK$2,034/mo
Today · 4.125%
HK$68,392
baseline
▲ 0.50% · 4.625%
HK$72,553
+HK$4,161/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,784/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,595
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,515
−HK$1,948/mo
Today · 4.125%
HK$75,463
baseline
▲ 0.50% · 4.625%
HK$79,441
+HK$3,978/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,926/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,982 · Scale 2, in force from 26 Feb 2026)