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$35,722
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,833
−HK$1,129/mo
Today · 4.125%
HK$37,962
baseline
▲ 0.50% · 4.625%
HK$40,272
+HK$2,310/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,924/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,741
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,807
−HK$1,081/mo
Today · 4.125%
HK$41,888
baseline
▲ 0.50% · 4.625%
HK$44,096
+HK$2,208/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,776/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,867
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,200
−HK$1,355/mo
Today · 4.125%
HK$45,555
baseline
▲ 0.50% · 4.625%
HK$48,327
+HK$2,772/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,110/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,689
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,968
−HK$1,297/mo
Today · 4.125%
HK$50,265
baseline
▲ 0.50% · 4.625%
HK$52,915
+HK$2,650/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,530/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,011
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,567
−HK$1,580/mo
Today · 4.125%
HK$53,147
baseline
▲ 0.50% · 4.625%
HK$56,381
+HK$3,234/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,294/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,637
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,129
−HK$1,514/mo
Today · 4.125%
HK$58,643
baseline
▲ 0.50% · 4.625%
HK$61,734
+HK$3,091/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,286/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,300
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,300
−HK$2,032/mo
Today · 4.125%
HK$68,332
baseline
▲ 0.50% · 4.625%
HK$72,490
+HK$4,158/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,664/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,533
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,452
−HK$1,946/mo
Today · 4.125%
HK$75,398
baseline
▲ 0.50% · 4.625%
HK$79,372
+HK$3,974/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,796/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,473 · Scale 2, in force from 26 Feb 2026)