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$35,548
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,653
−HK$1,124/mo
Today · 4.125%
HK$37,777
baseline
▲ 0.50% · 4.625%
HK$40,076
+HK$2,299/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,554/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,547
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,607
−HK$1,076/mo
Today · 4.125%
HK$41,683
baseline
▲ 0.50% · 4.625%
HK$43,880
+HK$2,197/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,366/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,657
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,984
−HK$1,348/mo
Today · 4.125%
HK$45,332
baseline
▲ 0.50% · 4.625%
HK$48,091
+HK$2,759/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$90,664/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,456
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,729
−HK$1,291/mo
Today · 4.125%
HK$50,020
baseline
▲ 0.50% · 4.625%
HK$52,656
+HK$2,636/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$100,040/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,767
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,315
−HK$1,573/mo
Today · 4.125%
HK$52,888
baseline
▲ 0.50% · 4.625%
HK$56,106
+HK$3,218/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,776/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,365
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,850
−HK$1,506/mo
Today · 4.125%
HK$58,356
baseline
▲ 0.50% · 4.625%
HK$61,432
+HK$3,076/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,712/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,986
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,976
−HK$2,022/mo
Today · 4.125%
HK$67,998
baseline
▲ 0.50% · 4.625%
HK$72,136
+HK$4,138/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$135,996/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,184
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,093
−HK$1,937/mo
Today · 4.125%
HK$75,030
baseline
▲ 0.50% · 4.625%
HK$78,984
+HK$3,954/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,060/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,602 · Scale 2, in force from 26 Feb 2026)