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$35,716
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,827
−HK$1,129/mo
Today · 4.125%
HK$37,956
baseline
▲ 0.50% · 4.625%
HK$40,266
+HK$2,310/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,912/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,734
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,800
−HK$1,081/mo
Today · 4.125%
HK$41,881
baseline
▲ 0.50% · 4.625%
HK$44,088
+HK$2,207/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,762/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,860
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,193
−HK$1,354/mo
Today · 4.125%
HK$45,547
baseline
▲ 0.50% · 4.625%
HK$48,319
+HK$2,772/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,094/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,681
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,960
−HK$1,297/mo
Today · 4.125%
HK$50,257
baseline
▲ 0.50% · 4.625%
HK$52,906
+HK$2,649/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,514/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,003
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,558
−HK$1,580/mo
Today · 4.125%
HK$53,138
baseline
▲ 0.50% · 4.625%
HK$56,372
+HK$3,234/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,276/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,628
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,120
−HK$1,513/mo
Today · 4.125%
HK$58,633
baseline
▲ 0.50% · 4.625%
HK$61,724
+HK$3,091/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,266/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,289
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,289
−HK$2,032/mo
Today · 4.125%
HK$68,321
baseline
▲ 0.50% · 4.625%
HK$72,478
+HK$4,157/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,642/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,521
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,439
−HK$1,946/mo
Today · 4.125%
HK$75,385
baseline
▲ 0.50% · 4.625%
HK$79,359
+HK$3,974/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,770/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,374 · Scale 2, in force from 26 Feb 2026)