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$35,699
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,809
−HK$1,128/mo
Today · 4.125%
HK$37,937
baseline
▲ 0.50% · 4.625%
HK$40,246
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,874/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$587,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,714
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,780
−HK$1,080/mo
Today · 4.125%
HK$41,860
baseline
▲ 0.50% · 4.625%
HK$44,067
+HK$2,207/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,720/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$587,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,838
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,171
−HK$1,354/mo
Today · 4.125%
HK$45,525
baseline
▲ 0.50% · 4.625%
HK$48,295
+HK$2,770/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,050/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,657
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,936
−HK$1,296/mo
Today · 4.125%
HK$50,232
baseline
▲ 0.50% · 4.625%
HK$52,880
+HK$2,648/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,464/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,978
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,533
−HK$1,579/mo
Today · 4.125%
HK$53,112
baseline
▲ 0.50% · 4.625%
HK$56,344
+HK$3,232/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,224/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,600
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,091
−HK$1,513/mo
Today · 4.125%
HK$58,604
baseline
▲ 0.50% · 4.625%
HK$61,693
+HK$3,089/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,208/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,258
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,257
−HK$2,030/mo
Today · 4.125%
HK$68,287
baseline
▲ 0.50% · 4.625%
HK$72,442
+HK$4,155/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,574/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,486
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,403
−HK$1,945/mo
Today · 4.125%
HK$75,348
baseline
▲ 0.50% · 4.625%
HK$79,320
+HK$3,972/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,696/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,085 · Scale 2, in force from 26 Feb 2026)