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$35,452
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,554
−HK$1,121/mo
Today · 4.125%
HK$37,675
baseline
▲ 0.50% · 4.625%
HK$39,967
+HK$2,292/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,350/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,439
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,497
−HK$1,073/mo
Today · 4.125%
HK$41,570
baseline
▲ 0.50% · 4.625%
HK$43,761
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,140/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,542
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,865
−HK$1,345/mo
Today · 4.125%
HK$45,210
baseline
▲ 0.50% · 4.625%
HK$47,960
+HK$2,750/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,420/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,327
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,597
−HK$1,287/mo
Today · 4.125%
HK$49,884
baseline
▲ 0.50% · 4.625%
HK$52,514
+HK$2,630/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,768/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,632
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,176
−HK$1,568/mo
Today · 4.125%
HK$52,744
baseline
▲ 0.50% · 4.625%
HK$55,954
+HK$3,210/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,488/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,215
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,696
−HK$1,502/mo
Today · 4.125%
HK$58,198
baseline
▲ 0.50% · 4.625%
HK$61,266
+HK$3,068/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,396/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,813
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,798
−HK$2,016/mo
Today · 4.125%
HK$67,814
baseline
▲ 0.50% · 4.625%
HK$71,941
+HK$4,127/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,628/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,991
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,895
−HK$1,931/mo
Today · 4.125%
HK$74,826
baseline
▲ 0.50% · 4.625%
HK$78,771
+HK$3,945/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,652/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,019 · Scale 2, in force from 26 Feb 2026)