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$35,726
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,837
−HK$1,130/mo
Today · 4.125%
HK$37,967
baseline
▲ 0.50% · 4.625%
HK$40,277
+HK$2,310/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,934/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,745
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,811
−HK$1,081/mo
Today · 4.125%
HK$41,892
baseline
▲ 0.50% · 4.625%
HK$44,101
+HK$2,209/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,784/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,871
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,205
−HK$1,355/mo
Today · 4.125%
HK$45,560
baseline
▲ 0.50% · 4.625%
HK$48,332
+HK$2,772/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,120/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,694
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,973
−HK$1,298/mo
Today · 4.125%
HK$50,271
baseline
▲ 0.50% · 4.625%
HK$52,921
+HK$2,650/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,542/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,017
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,572
−HK$1,581/mo
Today · 4.125%
HK$53,153
baseline
▲ 0.50% · 4.625%
HK$56,387
+HK$3,234/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,306/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,643
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,135
−HK$1,514/mo
Today · 4.125%
HK$58,649
baseline
▲ 0.50% · 4.625%
HK$61,741
+HK$3,092/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,298/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,307
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,307
−HK$2,033/mo
Today · 4.125%
HK$68,340
baseline
▲ 0.50% · 4.625%
HK$72,498
+HK$4,158/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,680/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,541
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,460
−HK$1,946/mo
Today · 4.125%
HK$75,406
baseline
▲ 0.50% · 4.625%
HK$79,381
+HK$3,975/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,812/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,537 · Scale 2, in force from 26 Feb 2026)