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$35,762
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,874
−HK$1,130/mo
Today · 4.125%
HK$38,004
baseline
▲ 0.50% · 4.625%
HK$40,317
+HK$2,313/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,008/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,785
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,852
−HK$1,082/mo
Today · 4.125%
HK$41,934
baseline
▲ 0.50% · 4.625%
HK$44,144
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,868/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,914
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,249
−HK$1,356/mo
Today · 4.125%
HK$45,605
baseline
▲ 0.50% · 4.625%
HK$48,380
+HK$2,775/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,210/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,741
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,022
−HK$1,299/mo
Today · 4.125%
HK$50,321
baseline
▲ 0.50% · 4.625%
HK$52,973
+HK$2,652/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,642/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,066
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,624
−HK$1,582/mo
Today · 4.125%
HK$53,206
baseline
▲ 0.50% · 4.625%
HK$56,443
+HK$3,237/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$106,412/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,698
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,192
−HK$1,516/mo
Today · 4.125%
HK$58,708
baseline
▲ 0.50% · 4.625%
HK$61,802
+HK$3,094/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$117,416/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,371
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,373
−HK$2,035/mo
Today · 4.125%
HK$68,408
baseline
▲ 0.50% · 4.625%
HK$72,570
+HK$4,162/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,816/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,612
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,533
−HK$1,948/mo
Today · 4.125%
HK$75,481
baseline
▲ 0.50% · 4.625%
HK$79,460
+HK$3,979/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,962/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,120 · Scale 2, in force from 26 Feb 2026)