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$35,544
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,649
−HK$1,124/mo
Today · 4.125%
HK$37,773
baseline
▲ 0.50% · 4.625%
HK$40,071
+HK$2,298/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,546/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,542
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,602
−HK$1,076/mo
Today · 4.125%
HK$41,678
baseline
▲ 0.50% · 4.625%
HK$43,875
+HK$2,197/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,356/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,652
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,979
−HK$1,348/mo
Today · 4.125%
HK$45,327
baseline
▲ 0.50% · 4.625%
HK$48,085
+HK$2,758/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$90,654/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,450
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,723
−HK$1,291/mo
Today · 4.125%
HK$50,014
baseline
▲ 0.50% · 4.625%
HK$52,650
+HK$2,636/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$100,028/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,761
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,309
−HK$1,573/mo
Today · 4.125%
HK$52,882
baseline
▲ 0.50% · 4.625%
HK$56,099
+HK$3,217/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,764/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,359
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,843
−HK$1,507/mo
Today · 4.125%
HK$58,350
baseline
▲ 0.50% · 4.625%
HK$61,425
+HK$3,075/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,700/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,979
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,969
−HK$2,022/mo
Today · 4.125%
HK$67,991
baseline
▲ 0.50% · 4.625%
HK$72,128
+HK$4,137/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$135,982/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,175
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,084
−HK$1,937/mo
Today · 4.125%
HK$75,021
baseline
▲ 0.50% · 4.625%
HK$78,975
+HK$3,954/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,042/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,534 · Scale 2, in force from 26 Feb 2026)