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$35,758
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,870
−HK$1,130/mo
Today · 4.125%
HK$38,000
baseline
▲ 0.50% · 4.625%
HK$40,313
+HK$2,313/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,000/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,780
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,847
−HK$1,083/mo
Today · 4.125%
HK$41,930
baseline
▲ 0.50% · 4.625%
HK$44,140
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,860/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,910
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,244
−HK$1,356/mo
Today · 4.125%
HK$45,600
baseline
▲ 0.50% · 4.625%
HK$48,375
+HK$2,775/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,200/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,736
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,017
−HK$1,299/mo
Today · 4.125%
HK$50,316
baseline
▲ 0.50% · 4.625%
HK$52,968
+HK$2,652/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,632/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,061
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,618
−HK$1,582/mo
Today · 4.125%
HK$53,200
baseline
▲ 0.50% · 4.625%
HK$56,438
+HK$3,238/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$106,400/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,693
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,186
−HK$1,515/mo
Today · 4.125%
HK$58,701
baseline
▲ 0.50% · 4.625%
HK$61,796
+HK$3,095/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$117,402/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,364
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,366
−HK$2,035/mo
Today · 4.125%
HK$68,401
baseline
▲ 0.50% · 4.625%
HK$72,563
+HK$4,162/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,802/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,605
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,525
−HK$1,948/mo
Today · 4.125%
HK$75,473
baseline
▲ 0.50% · 4.625%
HK$79,452
+HK$3,979/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,946/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,059 · Scale 2, in force from 26 Feb 2026)