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$35,763
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,875
−HK$1,130/mo
Today · 4.125%
HK$38,005
baseline
▲ 0.50% · 4.625%
HK$40,318
+HK$2,313/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,010/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,786
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,853
−HK$1,082/mo
Today · 4.125%
HK$41,935
baseline
▲ 0.50% · 4.625%
HK$44,146
+HK$2,211/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,870/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,915
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,250
−HK$1,356/mo
Today · 4.125%
HK$45,606
baseline
▲ 0.50% · 4.625%
HK$48,381
+HK$2,775/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,212/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,743
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,023
−HK$1,299/mo
Today · 4.125%
HK$50,322
baseline
▲ 0.50% · 4.625%
HK$52,975
+HK$2,653/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,644/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,068
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,625
−HK$1,582/mo
Today · 4.125%
HK$53,207
baseline
▲ 0.50% · 4.625%
HK$56,445
+HK$3,238/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,414/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,700
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,194
−HK$1,515/mo
Today · 4.125%
HK$58,709
baseline
▲ 0.50% · 4.625%
HK$61,804
+HK$3,095/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,418/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,373
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,375
−HK$2,035/mo
Today · 4.125%
HK$68,410
baseline
▲ 0.50% · 4.625%
HK$72,572
+HK$4,162/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,820/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,614
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,535
−HK$1,948/mo
Today · 4.125%
HK$75,483
baseline
▲ 0.50% · 4.625%
HK$79,462
+HK$3,979/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$150,966/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,137 · Scale 2, in force from 26 Feb 2026)