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$40,312
+HK$2,312/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$588,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,780
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,847
−HK$1,082/mo
Today · 4.125%
HK$41,929
baseline
▲ 0.50% · 4.625%
HK$44,139
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,858/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,909
−HK$2,691/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$588,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,736
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,016
−HK$1,299/mo
Today · 4.125%
HK$50,315
baseline
▲ 0.50% · 4.625%
HK$52,967
+HK$2,652/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,630/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,053 · 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$56,437
+HK$3,237/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$588,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,692
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,186
−HK$1,515/mo
Today · 4.125%
HK$58,701
baseline
▲ 0.50% · 4.625%
HK$61,795
+HK$3,094/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$588,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,364
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,366
−HK$2,034/mo
Today · 4.125%
HK$68,400
baseline
▲ 0.50% · 4.625%
HK$72,562
+HK$4,162/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,800/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,604
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,524
−HK$1,949/mo
Today · 4.125%
HK$75,473
baseline
▲ 0.50% · 4.625%
HK$79,451
+HK$3,978/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$588,053 · Scale 2, in force from 26 Feb 2026)