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$35,503
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,607
−HK$1,122/mo
Today · 4.125%
HK$37,729
baseline
▲ 0.50% · 4.625%
HK$40,025
+HK$2,296/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,458/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,496
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,556
−HK$1,074/mo
Today · 4.125%
HK$41,630
baseline
▲ 0.50% · 4.625%
HK$43,825
+HK$2,195/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,260/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,603
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,928
−HK$1,347/mo
Today · 4.125%
HK$45,275
baseline
▲ 0.50% · 4.625%
HK$48,030
+HK$2,755/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,550/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,396
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,667
−HK$1,289/mo
Today · 4.125%
HK$49,956
baseline
▲ 0.50% · 4.625%
HK$52,589
+HK$2,633/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,912/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,704
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,250
−HK$1,571/mo
Today · 4.125%
HK$52,821
baseline
▲ 0.50% · 4.625%
HK$56,035
+HK$3,214/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,642/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,295
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,778
−HK$1,504/mo
Today · 4.125%
HK$58,282
baseline
▲ 0.50% · 4.625%
HK$61,354
+HK$3,072/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,564/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,905
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,893
−HK$2,019/mo
Today · 4.125%
HK$67,912
baseline
▲ 0.50% · 4.625%
HK$72,044
+HK$4,132/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$135,824/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,093
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,000
−HK$1,934/mo
Today · 4.125%
HK$74,934
baseline
▲ 0.50% · 4.625%
HK$78,884
+HK$3,950/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$149,868/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,860 · Scale 2, in force from 26 Feb 2026)