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$35,757
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,869
−HK$1,130/mo
Today · 4.125%
HK$37,999
baseline
▲ 0.50% · 4.625%
HK$40,311
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,998/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,779
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,846
−HK$1,082/mo
Today · 4.125%
HK$41,928
baseline
▲ 0.50% · 4.625%
HK$44,138
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,856/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,908
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,242
−HK$1,357/mo
Today · 4.125%
HK$45,599
baseline
▲ 0.50% · 4.625%
HK$48,373
+HK$2,774/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,198/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,735
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,015
−HK$1,298/mo
Today · 4.125%
HK$50,313
baseline
▲ 0.50% · 4.625%
HK$52,966
+HK$2,653/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,626/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,059
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,616
−HK$1,582/mo
Today · 4.125%
HK$53,198
baseline
▲ 0.50% · 4.625%
HK$56,435
+HK$3,237/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$106,396/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,690
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,184
−HK$1,515/mo
Today · 4.125%
HK$58,699
baseline
▲ 0.50% · 4.625%
HK$61,793
+HK$3,094/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$117,398/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,362
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,364
−HK$2,034/mo
Today · 4.125%
HK$68,398
baseline
▲ 0.50% · 4.625%
HK$72,560
+HK$4,162/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,796/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,602
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,522
−HK$1,948/mo
Today · 4.125%
HK$75,470
baseline
▲ 0.50% · 4.625%
HK$79,448
+HK$3,978/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,940/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,035 · Scale 2, in force from 26 Feb 2026)