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$35,737
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,849
−HK$1,129/mo
Today · 4.125%
HK$37,978
baseline
▲ 0.50% · 4.625%
HK$40,289
+HK$2,311/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,956/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,757
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,823
−HK$1,082/mo
Today · 4.125%
HK$41,905
baseline
▲ 0.50% · 4.625%
HK$44,114
+HK$2,209/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,810/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,884
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,218
−HK$1,356/mo
Today · 4.125%
HK$45,574
baseline
▲ 0.50% · 4.625%
HK$48,347
+HK$2,773/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,148/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,709
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,988
−HK$1,298/mo
Today · 4.125%
HK$50,286
baseline
▲ 0.50% · 4.625%
HK$52,937
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,572/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,032
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,588
−HK$1,581/mo
Today · 4.125%
HK$53,169
baseline
▲ 0.50% · 4.625%
HK$56,405
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,338/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,660
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,153
−HK$1,514/mo
Today · 4.125%
HK$58,667
baseline
▲ 0.50% · 4.625%
HK$61,759
+HK$3,092/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,334/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,327
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,328
−HK$2,033/mo
Today · 4.125%
HK$68,361
baseline
▲ 0.50% · 4.625%
HK$72,520
+HK$4,159/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,722/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,563
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,482
−HK$1,947/mo
Today · 4.125%
HK$75,429
baseline
▲ 0.50% · 4.625%
HK$79,405
+HK$3,976/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,858/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,715 · Scale 2, in force from 26 Feb 2026)