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$35,773
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,886
−HK$1,130/mo
Today · 4.125%
HK$38,016
baseline
▲ 0.50% · 4.625%
HK$40,330
+HK$2,314/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,032/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,797
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,865
−HK$1,082/mo
Today · 4.125%
HK$41,947
baseline
▲ 0.50% · 4.625%
HK$44,158
+HK$2,211/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,894/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,928
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,263
−HK$1,357/mo
Today · 4.125%
HK$45,620
baseline
▲ 0.50% · 4.625%
HK$48,396
+HK$2,776/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$91,240/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,757
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,037
−HK$1,300/mo
Today · 4.125%
HK$50,337
baseline
▲ 0.50% · 4.625%
HK$52,990
+HK$2,653/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$100,674/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,082
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,640
−HK$1,583/mo
Today · 4.125%
HK$53,223
baseline
▲ 0.50% · 4.625%
HK$56,461
+HK$3,238/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,446/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,716
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,210
−HK$1,516/mo
Today · 4.125%
HK$58,726
baseline
▲ 0.50% · 4.625%
HK$61,822
+HK$3,096/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,452/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,392
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,395
−HK$2,035/mo
Today · 4.125%
HK$68,430
baseline
▲ 0.50% · 4.625%
HK$72,593
+HK$4,163/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,860/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,635
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,556
−HK$1,949/mo
Today · 4.125%
HK$75,505
baseline
▲ 0.50% · 4.625%
HK$79,485
+HK$3,980/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,010/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,308 · Scale 2, in force from 26 Feb 2026)