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$35,734
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,846
−HK$1,129/mo
Today · 4.125%
HK$37,975
baseline
▲ 0.50% · 4.625%
HK$40,286
+HK$2,311/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,950/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,754
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,820
−HK$1,082/mo
Today · 4.125%
HK$41,902
baseline
▲ 0.50% · 4.625%
HK$44,111
+HK$2,209/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,804/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,881
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,215
−HK$1,355/mo
Today · 4.125%
HK$45,570
baseline
▲ 0.50% · 4.625%
HK$48,343
+HK$2,773/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,140/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,705
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,984
−HK$1,298/mo
Today · 4.125%
HK$50,282
baseline
▲ 0.50% · 4.625%
HK$52,933
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,564/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,028
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,584
−HK$1,581/mo
Today · 4.125%
HK$53,165
baseline
▲ 0.50% · 4.625%
HK$56,400
+HK$3,235/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,330/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,656
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,148
−HK$1,515/mo
Today · 4.125%
HK$58,663
baseline
▲ 0.50% · 4.625%
HK$61,755
+HK$3,092/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,326/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,322
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,322
−HK$2,033/mo
Today · 4.125%
HK$68,355
baseline
▲ 0.50% · 4.625%
HK$72,514
+HK$4,159/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,710/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,557
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,476
−HK$1,947/mo
Today · 4.125%
HK$75,423
baseline
▲ 0.50% · 4.625%
HK$79,399
+HK$3,976/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,846/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,669 · Scale 2, in force from 26 Feb 2026)