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$35,716
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,827
−HK$1,129/mo
Today · 4.125%
HK$37,956
baseline
▲ 0.50% · 4.625%
HK$40,265
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,912/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,734
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,799
−HK$1,081/mo
Today · 4.125%
HK$41,880
baseline
▲ 0.50% · 4.625%
HK$44,088
+HK$2,208/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,760/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,859
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,192
−HK$1,355/mo
Today · 4.125%
HK$45,547
baseline
▲ 0.50% · 4.625%
HK$48,318
+HK$2,771/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,094/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,680
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,959
−HK$1,297/mo
Today · 4.125%
HK$50,256
baseline
▲ 0.50% · 4.625%
HK$52,905
+HK$2,649/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,512/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,002
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,558
−HK$1,580/mo
Today · 4.125%
HK$53,138
baseline
▲ 0.50% · 4.625%
HK$56,371
+HK$3,233/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,276/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,627
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,119
−HK$1,513/mo
Today · 4.125%
HK$58,632
baseline
▲ 0.50% · 4.625%
HK$61,723
+HK$3,091/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,264/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,289
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,288
−HK$2,032/mo
Today · 4.125%
HK$68,320
baseline
▲ 0.50% · 4.625%
HK$72,477
+HK$4,157/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,640/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,520
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,438
−HK$1,946/mo
Today · 4.125%
HK$75,384
baseline
▲ 0.50% · 4.625%
HK$79,358
+HK$3,974/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,768/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,366 · Scale 2, in force from 26 Feb 2026)